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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 | $165,569 | $124,425+33.1% | $112,040+47.8% | $137,256+20.6% |
| Participation rate | 87.0% | 79.3%+7.6pp | 76.5%+10.5pp | 80.0%+7.0pp |
| Annual return | 15.59% | 24.72%-9.1pp | 24.52%-8.9pp | 220.34%-204.8pp |
| Employer contribution / active EE | $3,704 | $3,411+8.6% | $2,954+25.4% | $4,156-10.9% |
| Participant deferral / active EE | $7,921 | $5,718+38.5% | $5,098+55.4% | $6,407+23.6% |
| Admin fee / account holder | $2,433 | $15,207-84.0% | $12,098-79.9% | $12,270-80.2% |