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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 | $181,062-10.4% | $158,223+2.5% | $155,188+4.5% |
| Participation rate | 90.5% | 82.7%+7.8pp | 79.2%+11.3pp | 80.8%+9.7pp |
| Annual return | 16.35% | 57.39%-41.0pp | 52.09%-35.7pp | 148.84%-132.5pp |
| Employer contribution / active EE | $4,324 | $4,565-5.3% | $4,109+5.2% | $4,248+1.8% |
| Participant deferral / active EE | $5,519 | $6,134-10.0% | $5,467+1.0% | $6,531-15.5% |
| Admin fee / account holder | $2,596 | $18,825-86.2% | $16,047-83.8% | $14,480-82.1% |