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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 | $249,179 | $124,213+100.6% | $118,106+111.0% | $154,746+61.0% |
| Participation rate | 93.8% | 83.6%+10.2pp | 81.9%+11.9pp | 80.7%+13.0pp |
| Annual return | 17.64% | 18.29%-0.7pp | 19.44%-1.8pp | 172.34%-154.7pp |
| Employer contribution / active EE | $12,636 | $4,905+157.6% | $4,698+168.9% | $4,379+188.6% |
| Participant deferral / active EE | $5,032 | $6,859-26.6% | $6,619-24.0% | $6,730-25.2% |
| Admin fee / account holder | $9,202 | $9,627-4.4% | $8,973+2.6% | $14,365-35.9% |