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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $93,460 | $184,014-49.2% | $161,149-42.0% | $138,895-32.7% |
| Participation rate | 100.0% | 82.1%+17.9pp | 78.8%+21.2pp | 79.9%+20.1pp |
| Annual return | 16.51% | 21.52%-5.0pp | 21.16%-4.7pp | 145.39%-128.9pp |
| Employer contribution / active EE | $5,876 | $5,055+16.2% | $4,360+34.8% | $4,194+40.1% |
| Participant deferral / active EE | $7,431 | $6,909+7.5% | $6,153+20.8% | $6,396+16.2% |
| Admin fee / account holder | $5,972 | $18,027-66.9% | $15,194-60.7% | $12,562-52.5% |