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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 | $148,192 | $209,336-29.2% | $197,124-24.8% | $137,256+8.0% |
| Participation rate | 92.9% | 87.3%+5.6pp | 86.7%+6.1pp | 80.0%+12.9pp |
| Annual return | 17.78% | 48.09%-30.3pp | 44.34%-26.6pp | 220.34%-202.6pp |
| Employer contribution / active EE | $7,108 | $6,591+7.8% | $6,227+14.1% | $4,156+71.0% |
| Participant deferral / active EE | $5,963 | $9,614-38.0% | $9,135-34.7% | $6,407-6.9% |
| Admin fee / account holder | $4,019 | $17,308-76.8% | $16,298-75.3% | $12,270-67.2% |