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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 | $143,867 | $178,174-19.3% | $156,181-7.9% | $137,256+4.8% |
| Participation rate | 88.9% | 82.0%+6.9pp | 78.8%+10.1pp | 80.0%+8.9pp |
| Annual return | 24.07% | 84.19%-60.1pp | 64.87%-40.8pp | 220.34%-196.3pp |
| Employer contribution / active EE | $6,990 | $4,972+40.6% | $4,294+62.8% | $4,156+68.2% |
| Participant deferral / active EE | $16,055 | $6,888+133.1% | $6,132+161.8% | $6,407+150.6% |
| Admin fee / account holder | $11,208 | $17,404-35.6% | $14,586-23.2% | $12,270-8.7% |