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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 | $126,128 | $156,398-19.4% | $147,318-14.4% | $138,895-9.2% |
| Participation rate | 80.0% | 83.8%-3.8pp | 82.1%-2.1pp | 79.9%+0.1pp |
| Annual return | 20.22% | 78.75%-58.5pp | 70.43%-50.2pp | 145.39%-125.2pp |
| Employer contribution / active EE | $7,049 | $4,853+45.3% | $4,593+53.5% | $4,194+68.1% |
| Participant deferral / active EE | $16,322 | $8,237+98.1% | $7,906+106.4% | $6,396+155.2% |
| Admin fee / account holder | $12,943 | $14,976-13.6% | $13,708-5.6% | $12,562+3.0% |