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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 | $228,303 | $181,896+25.5% | $156,551+45.8% | $273,972-16.7% |
| Participation rate | 95.2% | 88.4%+6.9pp | 84.0%+11.2pp | 83.0%+12.2pp |
| Annual return | 5.25% | 30.74%-25.5pp | 32.23%-27.0pp | 41.46%-36.2pp |
| Employer contribution / active EE | $6,840 | $6,248+9.5% | $5,501+24.3% | $4,869+40.5% |
| Participant deferral / active EE | $6,539 | $5,550+17.8% | $4,871+34.2% | $5,287+23.7% |
| Admin fee / account holder | $68,988 | $15,560+343.4% | $13,028+429.5% | $10,133+580.8% |