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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 | $162,136-18.3% | $152,301-13.0% | $154,746-14.4% |
| Participation rate | 85.7% | 84.1%+1.6pp | 82.4%+3.3pp | 80.7%+5.0pp |
| Annual return | 14.43% | 91.02%-76.6pp | 80.50%-66.1pp | 172.34%-157.9pp |
| Employer contribution / active EE | $10,958 | $4,890+124.1% | $4,624+137.0% | $4,379+150.2% |
| Participant deferral / active EE | $10,386 | $8,341+24.5% | $8,004+29.8% | $6,730+54.3% |
| Admin fee / account holder | $3,010 | $15,759-80.9% | $14,398-79.1% | $14,365-79.0% |