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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 | $174,775 | $185,312-5.7% | $161,489+8.2% | $154,746+12.9% |
| Participation rate | 94.7% | 82.5%+12.3pp | 78.7%+16.0pp | 80.7%+14.0pp |
| Annual return | 15.54% | 103.84%-88.3pp | 89.72%-74.2pp | 172.34%-156.8pp |
| Employer contribution / active EE | $1,053 | $4,769-77.9% | $4,268-75.3% | $4,379-76.0% |
| Participant deferral / active EE | $8,144 | $6,350+28.3% | $5,630+44.7% | $6,730+21.0% |
| Admin fee / account holder | $1,588 | $18,654-91.5% | $16,006-90.1% | $14,365-88.9% |