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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 | $147,921 | $136,860+8.1% | $120,344+22.9% | $154,746-4.4% |
| Participation rate | 82.4% | 79.9%+2.5pp | 76.7%+5.6pp | 80.7%+1.7pp |
| Annual return | 16.64% | 21.38%-4.7pp | 20.30%-3.7pp | 172.34%-155.7pp |
| Employer contribution / active EE | $2,028 | $3,533-42.6% | $3,020-32.8% | $4,379-53.7% |
| Participant deferral / active EE | $5,781 | $5,793-0.2% | $5,135+12.6% | $6,730-14.1% |
| Admin fee / account holder | $17,706 | $15,393+15.0% | $12,742+39.0% | $14,365+23.3% |