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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 | $213,785-40.0% | $185,441-30.8% | $155,188-17.3% |
| Participation rate | 82.4% | 83.2%-0.9pp | 80.3%+2.1pp | 80.8%+1.5pp |
| Annual return | 16.14% | 19.97%-3.8pp | 20.16%-4.0pp | 148.84%-132.7pp |
| Employer contribution / active EE | $5,154 | $5,393-4.4% | $4,672+10.3% | $4,248+21.3% |
| Participant deferral / active EE | $11,258 | $6,864+64.0% | $6,152+83.0% | $6,531+72.4% |
| Admin fee / account holder | $652 | $21,134-96.9% | $17,890-96.4% | $14,480-95.5% |