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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 | $161,441 | $124,425+29.8% | $112,040+44.1% | $137,256+17.6% |
| Participation rate | 91.7% | 79.3%+12.4pp | 76.5%+15.2pp | 80.0%+11.7pp |
| Annual return | 17.49% | 24.72%-7.2pp | 24.52%-7.0pp | 220.34%-202.9pp |
| Employer contribution / active EE | $2,929 | $3,411-14.1% | $2,954-0.8% | $4,156-29.5% |
| Participant deferral / active EE | $7,010 | $5,718+22.6% | $5,098+37.5% | $6,407+9.4% |
| Admin fee / account holder | $6,161 | $15,207-59.5% | $12,098-49.1% | $12,270-49.8% |