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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 | $162,176 | $174,379-7.0% | $152,093+6.6% | $138,895+16.8% |
| Participation rate | 90.5% | 81.6%+8.8pp | 77.8%+12.7pp | 79.9%+10.6pp |
| Annual return | 16.35% | 74.86%-58.5pp | 66.36%-50.0pp | 145.39%-129.0pp |
| Employer contribution / active EE | $4,324 | $4,652-7.1% | $4,175+3.6% | $4,194+3.1% |
| Participant deferral / active EE | $5,519 | $6,159-10.4% | $5,451+1.2% | $6,396-13.7% |
| Admin fee / account holder | $2,596 | $16,880-84.6% | $14,497-82.1% | $12,562-79.3% |