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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 | $132,101 | $154,228-14.3% | $145,433-9.2% | $137,256-3.8% |
| Participation rate | 89.5% | 83.8%+5.7pp | 82.1%+7.4pp | 80.0%+9.5pp |
| Annual return | 14.27% | 74.59%-60.3pp | 66.58%-52.3pp | 220.34%-206.1pp |
| Employer contribution / active EE | $7,063 | $4,804+47.0% | $4,554+55.1% | $4,156+70.0% |
| Participant deferral / active EE | $4,075 | $8,216-50.4% | $7,897-48.4% | $6,407-36.4% |
| Admin fee / account holder | $1,389 | $14,344-90.3% | $13,129-89.4% | $12,270-88.7% |