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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 | $154,513 | $162,136-4.7% | $152,301+1.5% | $154,746-0.2% |
| Participation rate | 94.7% | 84.1%+10.6pp | 82.4%+12.3pp | 80.7%+14.0pp |
| Annual return | 14.86% | 91.02%-76.2pp | 80.50%-65.6pp | 172.34%-157.5pp |
| Employer contribution / active EE | $5,198 | $4,890+6.3% | $4,624+12.4% | $4,379+18.7% |
| Participant deferral / active EE | $7,508 | $8,341-10.0% | $8,004-6.2% | $6,730+11.6% |
| Admin fee / account holder | $12,287 | $15,759-22.0% | $14,398-14.7% | $14,365-14.5% |