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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 | $193,513 | $184,014+5.2% | $161,149+20.1% | $138,895+39.3% |
| Participation rate | 76.9% | 82.1%-5.2pp | 78.8%-1.9pp | 79.9%-3.0pp |
| Annual return | 17.53% | 21.52%-4.0pp | 21.16%-3.6pp | 145.39%-127.9pp |
| Employer contribution / active EE | $6,808 | $5,055+34.7% | $4,360+56.1% | $4,194+62.3% |
| Participant deferral / active EE | $8,636 | $6,909+25.0% | $6,153+40.4% | $6,396+35.0% |
| Admin fee / account holder | $1,929 | $18,027-89.3% | $15,194-87.3% | $12,562-84.6% |