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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 | $166,492 | $184,014-9.5% | $161,149+3.3% | $138,895+19.9% |
| Participation rate | 100.0% | 82.1%+17.9pp | 78.8%+21.2pp | 79.9%+20.1pp |
| Annual return | 19.62% | 21.52%-1.9pp | 21.16%-1.5pp | 145.39%-125.8pp |
| Employer contribution / active EE | $5,601 | $5,055+10.8% | $4,360+28.5% | $4,194+33.5% |
| Participant deferral / active EE | $15,016 | $6,909+117.3% | $6,153+144.0% | $6,396+134.8% |
| Admin fee / account holder | $402 | $18,027-97.8% | $15,194-97.4% | $12,562-96.8% |