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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 | $209,653 | $154,228+35.9% | $145,433+44.2% | $137,256+52.7% |
| Participation rate | 75.0% | 83.8%-8.8pp | 82.1%-7.1pp | 80.0%-5.0pp |
| Annual return | 19.79% | 74.59%-54.8pp | 66.58%-46.8pp | 220.34%-200.5pp |
| Employer contribution / active EE | $4,121 | $4,804-14.2% | $4,554-9.5% | $4,156-0.8% |
| Participant deferral / active EE | $15,531 | $8,216+89.0% | $7,897+96.7% | $6,407+142.4% |
| Admin fee / account holder | $1,027 | $14,344-92.8% | $13,129-92.2% | $12,270-91.6% |