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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 | $163,453 | $156,398+4.5% | $147,318+11.0% | $138,895+17.7% |
| Participation rate | 70.8% | 83.8%-12.9pp | 82.1%-11.2pp | 79.9%-9.1pp |
| Annual return | 16.52% | 78.75%-62.2pp | 70.43%-53.9pp | 145.39%-128.9pp |
| Employer contribution / active EE | $6,882 | $4,853+41.8% | $4,593+49.8% | $4,194+64.1% |
| Participant deferral / active EE | $8,971 | $8,237+8.9% | $7,906+13.5% | $6,396+40.3% |
| Admin fee / account holder | $728 | $14,976-95.1% | $13,708-94.7% | $12,562-94.2% |