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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 | $219,587 | $212,777+3.2% | $173,703+26.4% | $198,609+10.6% |
| Participation rate | 87.0% | 81.1%+5.9pp | 75.9%+11.0pp | 82.4%+4.6pp |
| Annual return | 12.77% | 18.82%-6.1pp | 17.46%-4.7pp | 202.70%-189.9pp |
| Employer contribution / active EE | $4,517 | $5,214-13.4% | $4,288+5.3% | $5,055-10.7% |
| Participant deferral / active EE | $6,994 | $5,697+22.8% | $4,854+44.1% | $6,977+0.2% |
| Admin fee / account holder | $14,100 | $19,536-27.8% | $15,562-9.4% | $19,030-25.9% |