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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 | $188,436 | $156,398+20.5% | $147,318+27.9% | $138,895+35.7% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 12.98% | 78.75%-65.8pp | 70.43%-57.4pp | 145.39%-132.4pp |
| Employer contribution / active EE | $5,072 | $4,853+4.5% | $4,593+10.4% | $4,194+20.9% |
| Participant deferral / active EE | $15,254 | $8,237+85.2% | $7,906+92.9% | $6,396+138.5% |
| Admin fee / account holder | $8,942 | $14,976-40.3% | $13,708-34.8% | $12,562-28.8% |