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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 | $151,920 | $156,398-2.9% | $147,318+3.1% | $138,895+9.4% |
| Participation rate | 93.3% | 83.8%+9.6pp | 82.1%+11.3pp | 79.9%+13.4pp |
| Annual return | 17.66% | 78.75%-61.1pp | 70.43%-52.8pp | 145.39%-127.7pp |
| Employer contribution / active EE | $5,050 | $4,853+4.1% | $4,593+10.0% | $4,194+20.4% |
| Participant deferral / active EE | $11,691 | $8,237+41.9% | $7,906+47.9% | $6,396+82.8% |
| Admin fee / account holder | $1,078 | $14,976-92.8% | $13,708-92.1% | $12,562-91.4% |