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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 | $132,327 | $162,136-18.4% | $152,301-13.1% | $154,746-14.5% |
| Participation rate | 94.4% | 84.1%+10.3pp | 82.4%+12.0pp | 80.7%+13.7pp |
| Annual return | 15.98% | 91.02%-75.0pp | 80.50%-64.5pp | 172.34%-156.4pp |
| Employer contribution / active EE | $8,304 | $4,890+69.8% | $4,624+79.6% | $4,379+89.6% |
| Participant deferral / active EE | $13,506 | $8,341+61.9% | $8,004+68.7% | $6,730+100.7% |
| Admin fee / account holder | $6,395 | $15,759-59.4% | $14,398-55.6% | $14,365-55.5% |