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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 | $161,352+36.1% | $134,172+63.7% | $137,256+60.0% |
| Participation rate | 87.0% | 78.3%+8.7pp | 72.5%+14.5pp | 80.0%+7.0pp |
| Annual return | 12.77% | 28.72%-15.9pp | 25.30%-12.5pp | 220.34%-207.6pp |
| Employer contribution / active EE | $4,517 | $4,099+10.2% | $3,420+32.1% | $4,156+8.7% |
| Participant deferral / active EE | $6,994 | $5,552+26.0% | $4,690+49.1% | $6,407+9.2% |
| Admin fee / account holder | $14,100 | $15,028-6.2% | $12,016+17.3% | $12,270+14.9% |