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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 | $173,905 | $178,174-2.4% | $156,181+11.3% | $137,256+26.7% |
| Participation rate | 95.2% | 82.0%+13.2pp | 78.8%+16.4pp | 80.0%+15.3pp |
| Annual return | 16.98% | 84.19%-67.2pp | 64.87%-47.9pp | 220.34%-203.4pp |
| Employer contribution / active EE | $3,213 | $4,972-35.4% | $4,294-25.2% | $4,156-22.7% |
| Participant deferral / active EE | $13,808 | $6,888+100.5% | $6,132+125.2% | $6,407+115.5% |
| Admin fee / account holder | $2,162 | $17,404-87.6% | $14,586-85.2% | $12,270-82.4% |