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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 | $154,429 | $162,136-4.8% | $152,301+1.4% | $154,746-0.2% |
| Participation rate | 93.8% | 84.1%+9.6pp | 82.4%+11.3pp | 80.7%+13.0pp |
| Annual return | 16.59% | 91.02%-74.4pp | 80.50%-63.9pp | 172.34%-155.7pp |
| Employer contribution / active EE | $7,483 | $4,890+53.0% | $4,624+61.8% | $4,379+70.9% |
| Participant deferral / active EE | $16,358 | $8,341+96.1% | $8,004+104.4% | $6,730+143.0% |
| Admin fee / account holder | $3,532 | $15,759-77.6% | $14,398-75.5% | $14,365-75.4% |