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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 | $132,831 | $132,634+0.1% | $115,768+14.7% | $137,256-3.2% |
| Participation rate | 81.8% | 77.9%+3.9pp | 74.4%+7.4pp | 80.0%+1.9pp |
| Annual return | 13.90% | 160.70%-146.8pp | 100.46%-86.6pp | 220.34%-206.4pp |
| Employer contribution / active EE | $2,272 | $3,360-32.4% | $2,940-22.7% | $4,156-45.3% |
| Participant deferral / active EE | $9,172 | $5,619+63.2% | $4,917+86.5% | $6,407+43.2% |
| Admin fee / account holder | $8,514 | $15,028-43.3% | $12,439-31.6% | $12,270-30.6% |