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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 | $141,695 | $157,304-9.9% | $141,197+0.4% | $152,909-7.3% |
| Participation rate | 93.8% | 84.8%+8.9pp | 82.5%+11.3pp | 82.5%+11.3pp |
| Annual return | 20.79% | 64.34%-43.5pp | 71.41%-50.6pp | 345.46%-324.7pp |
| Employer contribution / active EE | $6,017 | $5,263+14.3% | $4,736+27.0% | $4,764+26.3% |
| Participant deferral / active EE | $7,185 | $7,111+1.0% | $6,710+7.1% | $5,851+22.8% |
| Admin fee / account holder | $16,692 | $12,126+37.7% | $10,265+62.6% | $11,601+43.9% |