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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 | $93,346 | $184,014-49.3% | $161,149-42.1% | $138,895-32.8% |
| Participation rate | 94.4% | 82.1%+12.4pp | 78.8%+15.6pp | 79.9%+14.5pp |
| Annual return | 10.55% | 21.52%-11.0pp | 21.16%-10.6pp | 145.39%-134.8pp |
| Employer contribution / active EE | $6,562 | $5,055+29.8% | $4,360+50.5% | $4,194+56.4% |
| Participant deferral / active EE | $6,648 | $6,909-3.8% | $6,153+8.0% | $6,396+3.9% |
| Admin fee / account holder | $980 | $18,027-94.6% | $15,194-93.5% | $12,562-92.2% |