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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 | $205,178 | $185,312+10.7% | $161,489+27.1% | $154,746+32.6% |
| Participation rate | 75.0% | 82.5%-7.5pp | 78.7%-3.7pp | 80.7%-5.7pp |
| Annual return | 19.60% | 103.84%-84.2pp | 89.72%-70.1pp | 172.34%-152.7pp |
| Employer contribution / active EE | $12,885 | $4,769+170.2% | $4,268+201.9% | $4,379+194.2% |
| Participant deferral / active EE | $5,971 | $6,350-6.0% | $5,630+6.1% | $6,730-11.3% |
| Admin fee / account holder | $2,796 | $18,654-85.0% | $16,006-82.5% | $14,365-80.5% |