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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 | $149,132 | $156,398-4.6% | $147,318+1.2% | $138,895+7.4% |
| Participation rate | 94.1% | 83.8%+10.4pp | 82.1%+12.1pp | 79.9%+14.2pp |
| Annual return | 21.14% | 78.75%-57.6pp | 70.43%-49.3pp | 145.39%-124.3pp |
| Employer contribution / active EE | $10,604 | $4,853+118.5% | $4,593+130.9% | $4,194+152.8% |
| Participant deferral / active EE | $5,383 | $8,237-34.7% | $7,906-31.9% | $6,396-15.8% |
| Admin fee / account holder | $1,566 | $14,976-89.5% | $13,708-88.6% | $12,562-87.5% |