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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 | $165,617 | $135,905+21.9% | $126,068+31.4% | $198,609-16.6% |
| Participation rate | 90.9% | 85.6%+5.3pp | 84.7%+6.2pp | 82.4%+8.5pp |
| Annual return | 17.97% | 14.07%+3.9pp | 15.01%+3.0pp | 202.70%-184.7pp |
| Employer contribution / active EE | $8,762 | $4,245+106.4% | $3,968+120.8% | $5,055+73.3% |
| Participant deferral / active EE | $13,936 | $8,523+63.5% | $8,214+69.7% | $6,977+99.8% |
| Admin fee / account holder | $15,362 | $21,036-27.0% | $18,264-15.9% | $19,030-19.3% |