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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 | $135,135 | $184,014-26.6% | $161,149-16.1% | $138,895-2.7% |
| Participation rate | 91.7% | 82.1%+9.6pp | 78.8%+12.8pp | 79.9%+11.7pp |
| Annual return | 13.28% | 21.52%-8.2pp | 21.16%-7.9pp | 145.39%-132.1pp |
| Employer contribution / active EE | $3,564 | $5,055-29.5% | $4,360-18.3% | $4,194-15.0% |
| Participant deferral / active EE | $10,412 | $6,909+50.7% | $6,153+69.2% | $6,396+62.8% |
| Admin fee / account holder | $13,929 | $18,027-22.7% | $15,194-8.3% | $12,562+10.9% |