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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 | $132,440 | $156,398-15.3% | $147,318-10.1% | $138,895-4.6% |
| Participation rate | 85.7% | 83.8%+2.0pp | 82.1%+3.6pp | 79.9%+5.8pp |
| Annual return | 14.43% | 78.75%-64.3pp | 70.43%-56.0pp | 145.39%-131.0pp |
| Employer contribution / active EE | $10,958 | $4,853+125.8% | $4,593+138.6% | $4,194+161.3% |
| Participant deferral / active EE | $10,386 | $8,237+26.1% | $7,906+31.4% | $6,396+62.4% |
| Admin fee / account holder | $3,010 | $14,976-79.9% | $13,708-78.0% | $12,562-76.0% |