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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 | $173,557 | $185,312-6.3% | $161,489+7.5% | $154,746+12.2% |
| Participation rate | 81.3% | 82.5%-1.2pp | 78.7%+2.6pp | 80.7%+0.5pp |
| Annual return | 19.31% | 103.84%-84.5pp | 89.72%-70.4pp | 172.34%-153.0pp |
| Employer contribution / active EE | $7,976 | $4,769+67.2% | $4,268+86.9% | $4,379+82.1% |
| Participant deferral / active EE | $8,152 | $6,350+28.4% | $5,630+44.8% | $6,730+21.1% |
| Admin fee / account holder | $1,833 | $18,654-90.2% | $16,006-88.5% | $14,365-87.2% |