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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 | $145,647 | $154,228-5.6% | $145,433+0.1% | $137,256+6.1% |
| Participation rate | 71.4% | 83.8%-12.4pp | 82.1%-10.7pp | 80.0%-8.5pp |
| Annual return | 13.42% | 74.59%-61.2pp | 66.58%-53.2pp | 220.34%-206.9pp |
| Employer contribution / active EE | $3,866 | $4,804-19.5% | $4,554-15.1% | $4,156-7.0% |
| Participant deferral / active EE | $8,729 | $8,216+6.2% | $7,897+10.5% | $6,407+36.2% |
| Admin fee / account holder | $35,737 | $14,344+149.1% | $13,129+172.2% | $12,270+191.2% |