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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 | $177,156+24.0% | $147,027+49.4% | $154,746+41.9% |
| Participation rate | 87.0% | 79.4%+7.6pp | 73.7%+13.2pp | 80.7%+6.3pp |
| Annual return | 12.77% | 21.94%-9.2pp | 20.23%-7.5pp | 172.34%-159.6pp |
| Employer contribution / active EE | $4,517 | $4,336+4.2% | $3,626+24.6% | $4,379+3.1% |
| Participant deferral / active EE | $6,994 | $5,797+20.7% | $4,933+41.8% | $6,730+3.9% |
| Admin fee / account holder | $14,100 | $14,904-5.4% | $12,223+15.4% | $14,365-1.8% |