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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 | $228,994 | $181,062+26.5% | $158,223+44.7% | $155,188+47.6% |
| Participation rate | 88.9% | 82.7%+6.2pp | 79.2%+9.7pp | 80.8%+8.1pp |
| Annual return | 16.86% | 57.39%-40.5pp | 52.09%-35.2pp | 148.84%-132.0pp |
| Employer contribution / active EE | $2,838 | $4,565-37.8% | $4,109-30.9% | $4,248-33.2% |
| Participant deferral / active EE | $8,496 | $6,134+38.5% | $5,467+55.4% | $6,531+30.1% |
| Admin fee / account holder | $1,867 | $18,825-90.1% | $16,047-88.4% | $14,480-87.1% |