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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 | $173,216 | $157,829+9.7% | $136,867+26.6% | $198,609-12.8% |
| Participation rate | 83.3% | 77.2%+6.2pp | 74.5%+8.8pp | 82.4%+1.0pp |
| Annual return | 14.92% | 51.25%-36.3pp | 42.97%-28.1pp | 202.70%-187.8pp |
| Employer contribution / active EE | $4,971 | $3,923+26.7% | $3,547+40.1% | $5,055-1.7% |
| Participant deferral / active EE | $6,778 | $5,463+24.1% | $4,924+37.7% | $6,977-2.8% |
| Admin fee / account holder | $1,400 | $11,107-87.4% | $10,340-86.5% | $19,030-92.6% |