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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 | $128,739 | $156,398-17.7% | $147,318-12.6% | $138,895-7.3% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 13.92% | 78.75%-64.8pp | 70.43%-56.5pp | 145.39%-131.5pp |
| Employer contribution / active EE | $4,621 | $4,853-4.8% | $4,593+0.6% | $4,194+10.2% |
| Participant deferral / active EE | $4,286 | $8,237-48.0% | $7,906-45.8% | $6,396-33.0% |
| Admin fee / account holder | $16,793 | $14,976+12.1% | $13,708+22.5% | $12,562+33.7% |