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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 | $185,697 | $184,014+0.9% | $161,149+15.2% | $138,895+33.7% |
| Participation rate | 76.5% | 82.1%-5.6pp | 78.8%-2.4pp | 79.9%-3.4pp |
| Annual return | 12.77% | 21.52%-8.8pp | 21.16%-8.4pp | 145.39%-132.6pp |
| Employer contribution / active EE | $4,526 | $5,055-10.5% | $4,360+3.8% | $4,194+7.9% |
| Participant deferral / active EE | $11,393 | $6,909+64.9% | $6,153+85.2% | $6,396+78.1% |
| Admin fee / account holder | $35,567 | $18,027+97.3% | $15,194+134.1% | $12,562+183.1% |