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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 | $176,002 | $174,379+0.9% | $152,093+15.7% | $138,895+26.7% |
| Participation rate | 85.0% | 81.6%+3.4pp | 77.8%+7.2pp | 79.9%+5.1pp |
| Annual return | 14.17% | 74.86%-60.7pp | 66.36%-52.2pp | 145.39%-131.2pp |
| Employer contribution / active EE | $9,640 | $4,652+107.2% | $4,175+130.9% | $4,194+129.8% |
| Participant deferral / active EE | $4,389 | $6,159-28.7% | $5,451-19.5% | $6,396-31.4% |
| Admin fee / account holder | $1,149 | $16,880-93.2% | $14,497-92.1% | $12,562-90.9% |