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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 | $153,240 | $157,304-2.6% | $141,197+8.5% | $152,909+0.2% |
| Participation rate | 88.9% | 84.8%+4.1pp | 82.5%+6.4pp | 82.5%+6.4pp |
| Annual return | 20.39% | 64.34%-44.0pp | 71.41%-51.0pp | 345.46%-325.1pp |
| Employer contribution / active EE | $8,735 | $5,263+66.0% | $4,736+84.4% | $4,764+83.4% |
| Participant deferral / active EE | $7,751 | $7,111+9.0% | $6,710+15.5% | $5,851+32.5% |
| Admin fee / account holder | $972 | $12,126-92.0% | $10,265-90.5% | $11,601-91.6% |