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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 | $164,317 | $184,014-10.7% | $161,149+2.0% | $138,895+18.3% |
| Participation rate | 92.3% | 82.1%+10.2pp | 78.8%+13.5pp | 79.9%+12.4pp |
| Annual return | 19.00% | 21.52%-2.5pp | 21.16%-2.2pp | 145.39%-126.4pp |
| Employer contribution / active EE | $2,995 | $5,055-40.8% | $4,360-31.3% | $4,194-28.6% |
| Participant deferral / active EE | $11,973 | $6,909+73.3% | $6,153+94.6% | $6,396+87.2% |
| Admin fee / account holder | $3,109 | $18,027-82.8% | $15,194-79.5% | $12,562-75.3% |