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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 | $141,177 | $184,014-23.3% | $161,149-12.4% | $138,895+1.6% |
| Participation rate | 94.4% | 82.1%+12.4pp | 78.8%+15.6pp | 79.9%+14.5pp |
| Annual return | 18.87% | 21.52%-2.7pp | 21.16%-2.3pp | 145.39%-126.5pp |
| Employer contribution / active EE | $3,165 | $5,055-37.4% | $4,360-27.4% | $4,194-24.5% |
| Participant deferral / active EE | $10,443 | $6,909+51.1% | $6,153+69.7% | $6,396+63.3% |
| Admin fee / account holder | $1,775 | $18,027-90.2% | $15,194-88.3% | $12,562-85.9% |