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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 | $205,865 | $184,014+11.9% | $161,149+27.7% | $138,895+48.2% |
| Participation rate | 88.9% | 82.1%+6.8pp | 78.8%+10.1pp | 79.9%+9.0pp |
| Annual return | 17.15% | 21.52%-4.4pp | 21.16%-4.0pp | 145.39%-128.2pp |
| Employer contribution / active EE | $7,756 | $5,055+53.4% | $4,360+77.9% | $4,194+84.9% |
| Participant deferral / active EE | $13,482 | $6,909+95.1% | $6,153+119.1% | $6,396+110.8% |
| Admin fee / account holder | $5,802 | $18,027-67.8% | $15,194-61.8% | $12,562-53.8% |