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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 | $216,324 | $184,014+17.6% | $161,149+34.2% | $138,895+55.7% |
| Participation rate | 100.0% | 82.1%+17.9pp | 78.8%+21.2pp | 79.9%+20.1pp |
| Annual return | 17.39% | 21.52%-4.1pp | 21.16%-3.8pp | 145.39%-128.0pp |
| Employer contribution / active EE | $3,782 | $5,055-25.2% | $4,360-13.3% | $4,194-9.8% |
| Participant deferral / active EE | $14,389 | $6,909+108.3% | $6,153+133.8% | $6,396+125.0% |
| Admin fee / account holder | $13,277 | $18,027-26.3% | $15,194-12.6% | $12,562+5.7% |