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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% | $184,243-6.7% | $80,925+112.4% |
| Participation rate | 92.6% | 83.9%+8.7pp | 86.8%+5.8pp | 67.7%+24.9pp |
| Annual return | 15.85% | 20.02%-4.2pp | 28.82%-13.0pp | 35.65%-19.8pp |
| Employer contribution / active EE | $5,028 | $4,851+3.6% | $6,427-21.8% | $2,756+82.4% |
| Participant deferral / active EE | $9,737 | $7,075+37.6% | $9,132+6.6% | $4,299+126.5% |
| Admin fee / account holder | $12,262 | $10,489+16.9% | $13,914-11.9% | $6,940+76.7% |