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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 | $176,381 | $156,398+12.8% | $147,318+19.7% | $138,895+27.0% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 20.47% | 78.75%-58.3pp | 70.43%-50.0pp | 145.39%-124.9pp |
| Employer contribution / active EE | $7,729 | $4,853+59.2% | $4,593+68.3% | $4,194+84.3% |
| Participant deferral / active EE | $16,010 | $8,237+94.4% | $7,906+102.5% | $6,396+150.3% |
| Admin fee / account holder | $1,548 | $14,976-89.7% | $13,708-88.7% | $12,562-87.7% |