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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 | $174,379-5.6% | $152,093+8.2% | $138,895+18.5% |
| Participation rate | 88.9% | 81.6%+7.2pp | 77.8%+11.1pp | 79.9%+9.0pp |
| Annual return | 11.65% | 74.86%-63.2pp | 66.36%-54.7pp | 145.39%-133.7pp |
| Employer contribution / active EE | $17,825 | $4,652+283.2% | $4,175+327.0% | $4,194+325.0% |
| Participant deferral / active EE | $12,103 | $6,159+96.5% | $5,451+122.0% | $6,396+89.2% |
| Admin fee / account holder | $1,772 | $16,880-89.5% | $14,497-87.8% | $12,562-85.9% |