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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 | $243,074 | $184,014+32.1% | $161,149+50.8% | $138,895+75.0% |
| Participation rate | 100.0% | 82.1%+17.9pp | 78.8%+21.2pp | 79.9%+20.1pp |
| Annual return | 17.43% | 21.52%-4.1pp | 21.16%-3.7pp | 145.39%-128.0pp |
| Employer contribution / active EE | $5,496 | $5,055+8.7% | $4,360+26.0% | $4,194+31.0% |
| Participant deferral / active EE | $8,211 | $6,909+18.8% | $6,153+33.4% | $6,396+28.4% |
| Admin fee / account holder | $2,563 | $18,027-85.8% | $15,194-83.1% | $12,562-79.6% |