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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 | $209,288 | $156,398+33.8% | $147,318+42.1% | $138,895+50.7% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 19.47% | 78.75%-59.3pp | 70.43%-51.0pp | 145.39%-125.9pp |
| Employer contribution / active EE | $3,858 | $4,853-20.5% | $4,593-16.0% | $4,194-8.0% |
| Participant deferral / active EE | $8,804 | $8,237+6.9% | $7,906+11.4% | $6,396+37.6% |
| Admin fee / account holder | $422 | $14,976-97.2% | $13,708-96.9% | $12,562-96.6% |