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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 | $164,620 | $172,111-4.4% | $150,298+9.5% | $137,256+19.9% |
| Participation rate | 88.9% | 81.7%+7.2pp | 77.8%+11.1pp | 80.0%+8.9pp |
| Annual return | 11.65% | 69.37%-57.7pp | 62.79%-51.1pp | 220.34%-208.7pp |
| Employer contribution / active EE | $17,825 | $4,636+284.5% | $4,154+329.1% | $4,156+328.9% |
| Participant deferral / active EE | $12,103 | $6,166+96.3% | $5,453+122.0% | $6,407+88.9% |
| Admin fee / account holder | $1,772 | $16,471-89.2% | $14,116-87.4% | $12,270-85.6% |