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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 | $128,578 | $213,785-39.9% | $185,441-30.7% | $155,188-17.1% |
| Participation rate | 87.0% | 83.2%+3.7pp | 80.3%+6.7pp | 80.8%+6.2pp |
| Annual return | 20.86% | 19.97%+0.9pp | 20.16%+0.7pp | 148.84%-128.0pp |
| Employer contribution / active EE | $3,800 | $5,393-29.5% | $4,672-18.7% | $4,248-10.5% |
| Participant deferral / active EE | $9,617 | $6,864+40.1% | $6,152+56.3% | $6,531+47.2% |
| Admin fee / account holder | $16,364 | $21,134-22.6% | $17,890-8.5% | $14,480+13.0% |