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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 | $178,993 | $156,398+14.4% | $147,318+21.5% | $138,895+28.9% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 17.45% | 78.75%-61.3pp | 70.43%-53.0pp | 145.39%-127.9pp |
| Employer contribution / active EE | $3,270 | $4,853-32.6% | $4,593-28.8% | $4,194-22.0% |
| Participant deferral / active EE | $4,700 | $8,237-42.9% | $7,906-40.6% | $6,396-26.5% |
| Admin fee / account holder | $2,042 | $14,976-86.4% | $13,708-85.1% | $12,562-83.7% |