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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 | $110,870 | $184,014-39.7% | $161,149-31.2% | $138,895-20.2% |
| Participation rate | 92.9% | 82.1%+10.8pp | 78.8%+14.0pp | 79.9%+12.9pp |
| Annual return | 20.36% | 21.52%-1.2pp | 21.16%-0.8pp | 145.39%-125.0pp |
| Employer contribution / active EE | $1,939 | $5,055-61.6% | $4,360-55.5% | $4,194-53.8% |
| Participant deferral / active EE | $11,856 | $6,909+71.6% | $6,153+92.7% | $6,396+85.4% |
| Admin fee / account holder | $708 | $18,027-96.1% | $15,194-95.3% | $12,562-94.4% |