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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 | $173,905 | $254,759-31.7% | $216,567-19.7% | $198,609-12.4% |
| Participation rate | 95.2% | 84.5%+10.7pp | 81.6%+13.6pp | 82.4%+12.9pp |
| Annual return | 16.98% | 10.04%+6.9pp | 12.94%+4.0pp | 202.70%-185.7pp |
| Employer contribution / active EE | $3,213 | $6,096-47.3% | $5,216-38.4% | $5,055-36.5% |
| Participant deferral / active EE | $13,808 | $6,948+98.7% | $6,191+123.1% | $6,977+97.9% |
| Admin fee / account holder | $2,162 | $26,311-91.8% | $21,981-90.2% | $19,030-88.6% |