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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 | $176,887 | $174,379+1.4% | $152,093+16.3% | $138,895+27.4% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 13.94% | 74.86%-60.9pp | 66.36%-52.4pp | 145.39%-131.5pp |
| Employer contribution / active EE | $9,669 | $4,652+107.9% | $4,175+131.6% | $4,194+130.5% |
| Participant deferral / active EE | $4,469 | $6,159-27.4% | $5,451-18.0% | $6,396-30.1% |
| Admin fee / account holder | $8,454 | $16,880-49.9% | $14,497-41.7% | $12,562-32.7% |