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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 | $168,687 | $148,623+13.5% | $135,974+24.1% | $139,466+21.0% |
| Participation rate | 81.8% | 83.9%-2.0pp | 81.9%-0.1pp | 80.3%+1.5pp |
| Annual return | 14.40% | 79.30%-64.9pp | 68.30%-53.9pp | 373.66%-359.3pp |
| Employer contribution / active EE | $1,544 | $5,246-70.6% | $4,859-68.2% | $4,754-67.5% |
| Participant deferral / active EE | $7,339 | $8,103-9.4% | $7,760-5.4% | $6,712+9.3% |
| Admin fee / account holder | $1,646 | $12,406-86.7% | $10,767-84.7% | $11,409-85.6% |