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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 | $133,742 | $156,398-14.5% | $147,318-9.2% | $138,895-3.7% |
| Participation rate | 85.0% | 83.8%+1.2pp | 82.1%+2.9pp | 79.9%+5.1pp |
| Annual return | 16.36% | 78.75%-62.4pp | 70.43%-54.1pp | 145.39%-129.0pp |
| Employer contribution / active EE | $7,238 | $4,853+49.1% | $4,593+57.6% | $4,194+72.6% |
| Participant deferral / active EE | $3,828 | $8,237-53.5% | $7,906-51.6% | $6,396-40.2% |
| Admin fee / account holder | $11,127 | $14,976-25.7% | $13,708-18.8% | $12,562-11.4% |