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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 | $167,392 | $184,014-9.0% | $161,149+3.9% | $138,895+20.5% |
| Participation rate | 94.7% | 82.1%+12.7pp | 78.8%+15.9pp | 79.9%+14.8pp |
| Annual return | 15.11% | 21.52%-6.4pp | 21.16%-6.0pp | 145.39%-130.3pp |
| Employer contribution / active EE | $3,807 | $5,055-24.7% | $4,360-12.7% | $4,194-9.2% |
| Participant deferral / active EE | $8,402 | $6,909+21.6% | $6,153+36.5% | $6,396+31.4% |
| Admin fee / account holder | $3,333 | $18,027-81.5% | $15,194-78.1% | $12,562-73.5% |