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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 | $122,650 | $115,814+5.9% | $101,275+21.1% | $158,982-22.9% |
| Participation rate | 76.9% | 79.4%-2.4pp | 75.8%+1.1pp | 82.0%-5.0pp |
| Annual return | 13.15% | 56.16%-43.0pp | 46.48%-33.3pp | 302.99%-289.8pp |
| Employer contribution / active EE | $4,246 | $4,176+1.7% | $3,660+16.0% | $4,763-10.9% |
| Participant deferral / active EE | $9,984 | $4,958+101.4% | $4,371+128.4% | $5,983+66.9% |
| Admin fee / account holder | $646 | $7,249-91.1% | $5,948-89.1% | $11,252-94.3% |