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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 | $178,909 | $114,712+56.0% | $173,730+3.0% | $87,485+104.5% |
| Participation rate | 96.0% | 73.0%+23.0pp | 79.6%+16.4pp | 68.9%+27.1pp |
| Annual return | 16.59% | 20.18%-3.6pp | 19.96%-3.4pp | 26.06%-9.5pp |
| Employer contribution / active EE | $2,131 | $2,904-26.6% | $4,577-53.4% | $2,596-17.9% |
| Participant deferral / active EE | $5,649 | $4,642+21.7% | $6,326-10.7% | $4,274+32.2% |
| Admin fee / account holder | $1,096 | $10,210-89.3% | $17,523-93.7% | $7,775-85.9% |