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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 | $136,333 | $156,398-12.8% | $147,318-7.5% | $138,895-1.8% |
| Participation rate | 90.0% | 83.8%+6.2pp | 82.1%+7.9pp | 79.9%+10.1pp |
| Annual return | 19.52% | 78.75%-59.2pp | 70.43%-50.9pp | 145.39%-125.9pp |
| Employer contribution / active EE | $5,439 | $4,853+12.1% | $4,593+18.4% | $4,194+29.7% |
| Participant deferral / active EE | $13,802 | $8,237+67.6% | $7,906+74.6% | $6,396+115.8% |
| Admin fee / account holder | $1,190 | $14,976-92.1% | $13,708-91.3% | $12,562-90.5% |