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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 | $117,741 | $167,415-29.7% | $140,514-16.2% | $198,609-40.7% |
| Participation rate | 90.9% | 80.9%+10.0pp | 77.8%+13.1pp | 82.4%+8.5pp |
| Annual return | 16.74% | 13.85%+2.9pp | 14.36%+2.4pp | 202.70%-186.0pp |
| Employer contribution / active EE | $3,648 | $4,088-10.8% | $3,378+8.0% | $5,055-27.8% |
| Participant deferral / active EE | $4,196 | $5,579-24.8% | $4,919-14.7% | $6,977-39.9% |
| Admin fee / account holder | $879 | $16,730-94.7% | $13,697-93.6% | $19,030-95.4% |