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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 | $144,454 | $161,352-10.5% | $134,172+7.7% | $137,256+5.2% |
| Participation rate | 84.6% | 78.3%+6.3pp | 72.5%+12.1pp | 80.0%+4.7pp |
| Annual return | 17.58% | 28.72%-11.1pp | 25.30%-7.7pp | 220.34%-202.8pp |
| Employer contribution / active EE | $3,167 | $4,099-22.7% | $3,420-7.4% | $4,156-23.8% |
| Participant deferral / active EE | $6,502 | $5,552+17.1% | $4,690+38.6% | $6,407+1.5% |
| Admin fee / account holder | $2,933 | $15,028-80.5% | $12,016-75.6% | $12,270-76.1% |