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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 | $136,860+21.0% | $120,344+37.6% | $154,746+7.0% |
| Participation rate | 87.0% | 79.9%+7.1pp | 76.7%+10.2pp | 80.7%+6.3pp |
| Annual return | 15.59% | 21.38%-5.8pp | 20.30%-4.7pp | 172.34%-156.7pp |
| Employer contribution / active EE | $3,704 | $3,533+4.8% | $3,020+22.6% | $4,379-15.4% |
| Participant deferral / active EE | $7,921 | $5,793+36.7% | $5,135+54.3% | $6,730+17.7% |
| Admin fee / account holder | $2,433 | $15,393-84.2% | $12,742-80.9% | $14,365-83.1% |