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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 | $198,082 | $172,111+15.1% | $150,298+31.8% | $137,256+44.3% |
| Participation rate | 82.4% | 81.7%+0.6pp | 77.8%+4.6pp | 80.0%+2.4pp |
| Annual return | 12.32% | 69.37%-57.1pp | 62.79%-50.5pp | 220.34%-208.0pp |
| Employer contribution / active EE | $4,105 | $4,636-11.5% | $4,154-1.2% | $4,156-1.2% |
| Participant deferral / active EE | $4,639 | $6,166-24.8% | $5,453-14.9% | $6,407-27.6% |
| Admin fee / account holder | $2,157 | $16,471-86.9% | $14,116-84.7% | $12,270-82.4% |