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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 | $156,894 | $172,111-8.8% | $150,298+4.4% | $137,256+14.3% |
| Participation rate | 94.4% | 81.7%+12.7pp | 77.8%+16.7pp | 80.0%+14.5pp |
| Annual return | 13.11% | 69.37%-56.3pp | 62.79%-49.7pp | 220.34%-207.2pp |
| Employer contribution / active EE | $6,585 | $4,636+42.0% | $4,154+58.5% | $4,156+58.4% |
| Participant deferral / active EE | $9,366 | $6,166+51.9% | $5,453+71.8% | $6,407+46.2% |
| Admin fee / account holder | $1,776 | $16,471-89.2% | $14,116-87.4% | $12,270-85.5% |