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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 | $179,808 | $136,860+31.4% | $120,344+49.4% | $154,746+16.2% |
| Participation rate | 90.0% | 79.9%+10.1pp | 76.7%+13.3pp | 80.7%+9.3pp |
| Annual return | 15.11% | 21.38%-6.3pp | 20.30%-5.2pp | 172.34%-157.2pp |
| Employer contribution / active EE | $3,016 | $3,533-14.6% | $3,020-0.1% | $4,379-31.1% |
| Participant deferral / active EE | $6,216 | $5,793+7.3% | $5,135+21.1% | $6,730-7.6% |
| Admin fee / account holder | $2,226 | $15,393-85.5% | $12,742-82.5% | $14,365-84.5% |