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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 | $193,407 | $177,595+8.9% | $148,496+30.2% | $198,609-2.6% |
| Participation rate | 90.0% | 79.3%+10.7pp | 76.0%+14.0pp | 82.4%+7.6pp |
| Annual return | 12.52% | 9.97%+2.6pp | 12.33%+0.2pp | 202.70%-190.2pp |
| Employer contribution / active EE | $13,778 | $4,098+236.2% | $3,497+293.9% | $5,055+172.5% |
| Participant deferral / active EE | $7,439 | $5,539+34.3% | $4,808+54.7% | $6,977+6.6% |
| Admin fee / account holder | $8,165 | $27,010-69.8% | $19,547-58.2% | $19,030-57.1% |