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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 | $171,893 | $138,385+24.2% | $184,200-6.7% | $80,874+112.5% |
| Participation rate | 92.6% | 83.9%+8.7pp | 86.8%+5.8pp | 67.6%+24.9pp |
| Annual return | 15.85% | 20.02%-4.2pp | 28.80%-12.9pp | 35.62%-19.8pp |
| Employer contribution / active EE | $5,028 | $4,849+3.7% | $6,424-21.7% | $2,756+82.4% |
| Participant deferral / active EE | $9,737 | $7,073+37.7% | $9,132+6.6% | $4,297+126.6% |
| Admin fee / account holder | $12,262 | $10,483+17.0% | $13,907-11.8% | $6,935+76.8% |