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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 | $168,063 | $172,111-2.4% | $150,298+11.8% | $137,256+22.4% |
| Participation rate | 84.6% | 81.7%+2.9pp | 77.8%+6.9pp | 80.0%+4.7pp |
| Annual return | 14.86% | 69.37%-54.5pp | 62.79%-47.9pp | 220.34%-205.5pp |
| Employer contribution / active EE | $1,128 | $4,636-75.7% | $4,154-72.8% | $4,156-72.9% |
| Participant deferral / active EE | $6,683 | $6,166+8.4% | $5,453+22.6% | $6,407+4.3% |
| Admin fee / account holder | $1,477 | $16,471-91.0% | $14,116-89.5% | $12,270-88.0% |