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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 | $197,726 | $181,062+9.2% | $158,223+25.0% | $155,188+27.4% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | 16.37% | 57.39%-41.0pp | 52.09%-35.7pp | 148.84%-132.5pp |
| Employer contribution / active EE | $4,338 | $4,565-5.0% | $4,109+5.6% | $4,248+2.1% |
| Participant deferral / active EE | $17,580 | $6,134+186.6% | $5,467+221.6% | $6,531+169.2% |
| Admin fee / account holder | $861 | $18,825-95.4% | $16,047-94.6% | $14,480-94.1% |