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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 | $154,228-14.2% | $145,433-9.0% | $137,256-3.6% |
| Participation rate | 94.4% | 83.8%+10.7pp | 82.1%+12.3pp | 80.0%+14.5pp |
| Annual return | 15.98% | 74.59%-58.6pp | 66.58%-50.6pp | 220.34%-204.4pp |
| Employer contribution / active EE | $8,304 | $4,804+72.9% | $4,554+82.3% | $4,156+99.8% |
| Participant deferral / active EE | $13,506 | $8,216+64.4% | $7,897+71.0% | $6,407+110.8% |
| Admin fee / account holder | $6,395 | $14,344-55.4% | $13,129-51.3% | $12,270-47.9% |