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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 | $208,762 | $212,777-1.9% | $173,703+20.2% | $198,609+5.1% |
| Participation rate | 87.5% | 81.1%+6.4pp | 75.9%+11.6pp | 82.4%+5.1pp |
| Annual return | 11.72% | 18.82%-7.1pp | 17.46%-5.7pp | 202.70%-191.0pp |
| Employer contribution / active EE | $5,128 | $5,214-1.7% | $4,288+19.6% | $5,055+1.4% |
| Participant deferral / active EE | $10,129 | $5,697+77.8% | $4,854+108.7% | $6,977+45.2% |
| Admin fee / account holder | $5,232 | $19,536-73.2% | $15,562-66.4% | $19,030-72.5% |