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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 | $135,503 | $162,136-16.4% | $152,301-11.0% | $154,746-12.4% |
| Participation rate | 94.7% | 84.1%+10.6pp | 82.4%+12.3pp | 80.7%+14.0pp |
| Annual return | 12.71% | 91.02%-78.3pp | 80.50%-67.8pp | 172.34%-159.6pp |
| Employer contribution / active EE | $8,444 | $4,890+72.7% | $4,624+82.6% | $4,379+92.8% |
| Participant deferral / active EE | $5,375 | $8,341-35.6% | $8,004-32.8% | $6,730-20.1% |
| Admin fee / account holder | $14,621 | $15,759-7.2% | $14,398+1.6% | $14,365+1.8% |