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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 | $114,346 | $114,013+0.3% | $103,693+10.3% | $155,188-26.3% |
| Participation rate | 90.0% | 75.2%+14.8pp | 72.6%+17.4pp | 80.8%+9.2pp |
| Annual return | 10.86% | 49.31%-38.5pp | 47.61%-36.8pp | 148.84%-138.0pp |
| Employer contribution / active EE | $2,937 | $3,131-6.2% | $2,920+0.6% | $4,248-30.9% |
| Participant deferral / active EE | $6,494 | $4,970+30.7% | $4,579+41.8% | $6,531-0.6% |
| Admin fee / account holder | $10,503 | $8,407+24.9% | $7,858+33.7% | $14,480-27.5% |