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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 | $132,874 | $183,516-27.6% | $155,534-14.6% | $145,884-8.9% |
| Participation rate | 84.6% | 82.7%+1.9pp | 78.2%+6.4pp | 80.3%+4.3pp |
| Annual return | 16.01% | 61.43%-45.4pp | 64.92%-48.9pp | 551.85%-535.8pp |
| Employer contribution / active EE | $7,130 | $5,315+34.2% | $4,675+52.5% | $4,662+52.9% |
| Participant deferral / active EE | $4,810 | $6,467-25.6% | $5,630-14.6% | $6,690-28.1% |
| Admin fee / account holder | $18,774 | $19,293-2.7% | $15,900+18.1% | $13,392+40.2% |