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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 | $181,766 | $178,174+2.0% | $156,181+16.4% | $137,256+32.4% |
| Participation rate | 75.0% | 82.0%-7.0pp | 78.8%-3.8pp | 80.0%-5.0pp |
| Annual return | 11.88% | 84.19%-72.3pp | 64.87%-53.0pp | 220.34%-208.5pp |
| Employer contribution / active EE | $3,390 | $4,972-31.8% | $4,294-21.1% | $4,156-18.4% |
| Participant deferral / active EE | $13,885 | $6,888+101.6% | $6,132+126.4% | $6,407+116.7% |
| Admin fee / account holder | $3,504 | $17,404-79.9% | $14,586-76.0% | $12,270-71.4% |