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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 | $162,967+34.7% | $135,792+61.7% | $138,895+58.1% |
| Participation rate | 87.0% | 78.3%+8.6pp | 72.6%+14.4pp | 79.9%+7.0pp |
| Annual return | 12.77% | 30.08%-17.3pp | 25.96%-13.2pp | 145.39%-132.6pp |
| Employer contribution / active EE | $4,517 | $4,211+7.3% | $3,496+29.2% | $4,194+7.7% |
| Participant deferral / active EE | $6,994 | $5,640+24.0% | $4,759+47.0% | $6,396+9.3% |
| Admin fee / account holder | $14,100 | $15,306-7.9% | $12,266+15.0% | $12,562+12.2% |