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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 | $185,312+6.9% | $161,489+22.7% | $154,746+28.0% |
| Participation rate | 82.4% | 82.5%-0.1pp | 78.7%+3.7pp | 80.7%+1.7pp |
| Annual return | 12.32% | 103.84%-91.5pp | 89.72%-77.4pp | 172.34%-160.0pp |
| Employer contribution / active EE | $4,105 | $4,769-13.9% | $4,268-3.8% | $4,379-6.3% |
| Participant deferral / active EE | $4,639 | $6,350-26.9% | $5,630-17.6% | $6,730-31.1% |
| Admin fee / account holder | $2,157 | $18,654-88.4% | $16,006-86.5% | $14,365-85.0% |