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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 | $128,294 | $184,014-30.3% | $161,149-20.4% | $138,895-7.6% |
| Participation rate | 82.4% | 82.1%+0.3pp | 78.8%+3.5pp | 79.9%+2.4pp |
| Annual return | 16.14% | 21.52%-5.4pp | 21.16%-5.0pp | 145.39%-129.3pp |
| Employer contribution / active EE | $5,154 | $5,055+2.0% | $4,360+18.2% | $4,194+22.9% |
| Participant deferral / active EE | $11,258 | $6,909+62.9% | $6,153+83.0% | $6,396+76.0% |
| Admin fee / account holder | $652 | $18,027-96.4% | $15,194-95.7% | $12,562-94.8% |