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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 | $166,944 | $178,174-6.3% | $156,181+6.9% | $137,256+21.6% |
| Participation rate | 86.7% | 82.0%+4.6pp | 78.8%+7.8pp | 80.0%+6.7pp |
| Annual return | 18.39% | 84.19%-65.8pp | 64.87%-46.5pp | 220.34%-202.0pp |
| Employer contribution / active EE | $6,837 | $4,972+37.5% | $4,294+59.2% | $4,156+64.5% |
| Participant deferral / active EE | $4,913 | $6,888-28.7% | $6,132-19.9% | $6,407-23.3% |
| Admin fee / account holder | $1,617 | $17,404-90.7% | $14,586-88.9% | $12,270-86.8% |