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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 | $160,865 | $181,896-11.6% | $156,551+2.8% | $273,972-41.3% |
| Participation rate | 90.9% | 88.4%+2.5pp | 84.0%+6.9pp | 83.0%+7.9pp |
| Annual return | 6.90% | 30.74%-23.8pp | 32.23%-25.3pp | 41.46%-34.6pp |
| Employer contribution / active EE | $16,918 | $6,248+170.8% | $5,501+207.5% | $4,869+247.5% |
| Participant deferral / active EE | $8,325 | $5,550+50.0% | $4,871+70.9% | $5,287+57.4% |
| Admin fee / account holder | $1,494 | $15,560-90.4% | $13,028-88.5% | $10,133-85.3% |