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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 | $141,853 | $154,228-8.0% | $145,433-2.5% | $137,256+3.3% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 18.29% | 74.59%-56.3pp | 66.58%-48.3pp | 220.34%-202.1pp |
| Employer contribution / active EE | $4,474 | $4,804-6.9% | $4,554-1.8% | $4,156+7.7% |
| Participant deferral / active EE | $11,091 | $8,216+35.0% | $7,897+40.4% | $6,407+73.1% |
| Admin fee / account holder | $12,895 | $14,344-10.1% | $13,129-1.8% | $12,270+5.1% |