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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 | $176,931 | $181,062-2.3% | $158,223+11.8% | $155,188+14.0% |
| Participation rate | 72.7% | 82.7%-9.9pp | 79.2%-6.5pp | 80.8%-8.1pp |
| Annual return | 14.66% | 57.39%-42.7pp | 52.09%-37.4pp | 148.84%-134.2pp |
| Employer contribution / active EE | $2,234 | $4,565-51.1% | $4,109-45.6% | $4,248-47.4% |
| Participant deferral / active EE | $7,821 | $6,134+27.5% | $5,467+43.1% | $6,531+19.7% |
| Admin fee / account holder | $24,793 | $18,825+31.7% | $16,047+54.5% | $14,480+71.2% |