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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 | $174,483 | $156,398+11.6% | $147,318+18.4% | $138,895+25.6% |
| Participation rate | 90.0% | 83.8%+6.2pp | 82.1%+7.9pp | 79.9%+10.1pp |
| Annual return | 16.60% | 78.75%-62.1pp | 70.43%-53.8pp | 145.39%-128.8pp |
| Employer contribution / active EE | $2,335 | $4,853-51.9% | $4,593-49.2% | $4,194-44.3% |
| Participant deferral / active EE | $8,691 | $8,237+5.5% | $7,906+9.9% | $6,396+35.9% |
| Admin fee / account holder | $4,050 | $14,976-73.0% | $13,708-70.5% | $12,562-67.8% |