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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 | $183,244 | $184,014-0.4% | $161,149+13.7% | $138,895+31.9% |
| Participation rate | 91.7% | 82.1%+9.6pp | 78.8%+12.8pp | 79.9%+11.7pp |
| Annual return | 12.34% | 21.52%-9.2pp | 21.16%-8.8pp | 145.39%-133.1pp |
| Employer contribution / active EE | $2,621 | $5,055-48.2% | $4,360-39.9% | $4,194-37.5% |
| Participant deferral / active EE | $7,114 | $6,909+3.0% | $6,153+15.6% | $6,396+11.2% |
| Admin fee / account holder | $4,603 | $18,027-74.5% | $15,194-69.7% | $12,562-63.4% |