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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 | $166,961 | $172,111-3.0% | $150,298+11.1% | $137,256+21.6% |
| Participation rate | 92.9% | 81.7%+11.1pp | 77.8%+15.1pp | 80.0%+12.9pp |
| Annual return | 15.70% | 69.37%-53.7pp | 62.79%-47.1pp | 220.34%-204.6pp |
| Employer contribution / active EE | $4,912 | $4,636+5.9% | $4,154+18.2% | $4,156+18.2% |
| Participant deferral / active EE | $12,700 | $6,166+106.0% | $5,453+132.9% | $6,407+98.2% |
| Admin fee / account holder | $3,715 | $16,471-77.4% | $14,116-73.7% | $12,270-69.7% |