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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 | $172,037 | $175,259-1.8% | $149,723+14.9% | $139,487+23.3% |
| Participation rate | 78.6% | 83.4%-4.8pp | 78.8%-0.2pp | 80.3%-1.8pp |
| Annual return | 13.74% | 166.82%-153.1pp | 134.50%-120.8pp | 373.84%-360.1pp |
| Employer contribution / active EE | $4,170 | $5,478-23.9% | $4,821-13.5% | $4,755-12.3% |
| Participant deferral / active EE | $6,446 | $6,522-1.2% | $5,682+13.4% | $6,713-4.0% |
| Admin fee / account holder | $1,275 | $16,158-92.1% | $13,215-90.4% | $11,407-88.8% |