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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 | $182,455 | $181,062+0.8% | $158,223+15.3% | $155,188+17.6% |
| Participation rate | 87.5% | 82.7%+4.8pp | 79.2%+8.3pp | 80.8%+6.7pp |
| Annual return | 14.69% | 57.39%-42.7pp | 52.09%-37.4pp | 148.84%-134.2pp |
| Employer contribution / active EE | $3,920 | $4,565-14.1% | $4,109-4.6% | $4,248-7.7% |
| Participant deferral / active EE | $8,521 | $6,134+38.9% | $5,467+55.9% | $6,531+30.5% |
| Admin fee / account holder | $3,781 | $18,825-79.9% | $16,047-76.4% | $14,480-73.9% |