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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 | $204,685 | $184,014+11.2% | $161,149+27.0% | $138,895+47.4% |
| Participation rate | 81.8% | 82.1%-0.3pp | 78.8%+3.0pp | 79.9%+1.9pp |
| Annual return | 10.64% | 21.52%-10.9pp | 21.16%-10.5pp | 145.39%-134.8pp |
| Employer contribution / active EE | $0 | $5,055-100.0% | $4,360-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $10,962 | $6,909+58.7% | $6,153+78.2% | $6,396+71.4% |
| Admin fee / account holder | $3,436 | $18,027-80.9% | $15,194-77.4% | $12,562-72.6% |