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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 | $182,781 | $174,379+4.8% | $152,093+20.2% | $138,895+31.6% |
| Participation rate | 84.2% | 81.6%+2.6pp | 77.8%+6.4pp | 79.9%+4.3pp |
| Annual return | 14.14% | 74.86%-60.7pp | 66.36%-52.2pp | 145.39%-131.3pp |
| Employer contribution / active EE | $1,500 | $4,652-67.8% | $4,175-64.1% | $4,194-64.2% |
| Participant deferral / active EE | $4,116 | $6,159-33.2% | $5,451-24.5% | $6,396-35.7% |
| Admin fee / account holder | $1,798 | $16,880-89.4% | $14,497-87.6% | $12,562-85.7% |