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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 | $162,136-17.5% | $152,301-12.2% | $154,746-13.6% |
| Participation rate | 85.0% | 84.1%+0.9pp | 82.4%+2.6pp | 80.7%+4.3pp |
| Annual return | 16.36% | 91.02%-74.7pp | 80.50%-64.1pp | 172.34%-156.0pp |
| Employer contribution / active EE | $7,238 | $4,890+48.0% | $4,624+56.5% | $4,379+65.3% |
| Participant deferral / active EE | $3,828 | $8,341-54.1% | $8,004-52.2% | $6,730-43.1% |
| Admin fee / account holder | $11,127 | $15,759-29.4% | $14,398-22.7% | $14,365-22.5% |