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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 | $124,308 | $181,062-31.3% | $158,223-21.4% | $155,188-19.9% |
| Participation rate | 90.0% | 82.7%+7.3pp | 79.2%+10.8pp | 80.8%+9.2pp |
| Annual return | 16.03% | 57.39%-41.4pp | 52.09%-36.1pp | 148.84%-132.8pp |
| Employer contribution / active EE | $2,632 | $4,565-42.3% | $4,109-35.9% | $4,248-38.0% |
| Participant deferral / active EE | $14,318 | $6,134+133.4% | $5,467+161.9% | $6,531+119.2% |
| Admin fee / account holder | $13,121 | $18,825-30.3% | $16,047-18.2% | $14,480-9.4% |