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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 | $169,005 | $172,111-1.8% | $150,298+12.4% | $137,256+23.1% |
| Participation rate | 90.0% | 81.7%+8.3pp | 77.8%+12.2pp | 80.0%+10.0pp |
| Annual return | 15.76% | 69.37%-53.6pp | 62.79%-47.0pp | 220.34%-204.6pp |
| Employer contribution / active EE | $2,417 | $4,636-47.9% | $4,154-41.8% | $4,156-41.8% |
| Participant deferral / active EE | $7,905 | $6,166+28.2% | $5,453+45.0% | $6,407+23.4% |
| Admin fee / account holder | $2,314 | $16,471-85.9% | $14,116-83.6% | $12,270-81.1% |