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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 | $156,398-1.2% | $147,318+4.9% | $138,895+11.2% |
| Participation rate | 94.7% | 83.8%+11.0pp | 82.1%+12.7pp | 79.9%+14.8pp |
| Annual return | 14.86% | 78.75%-63.9pp | 70.43%-55.6pp | 145.39%-130.5pp |
| Employer contribution / active EE | $5,198 | $4,853+7.1% | $4,593+13.2% | $4,194+23.9% |
| Participant deferral / active EE | $7,508 | $8,237-8.9% | $7,906-5.0% | $6,396+17.4% |
| Admin fee / account holder | $12,287 | $14,976-18.0% | $13,708-10.4% | $12,562-2.2% |