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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 | $114,001 | $172,111-33.8% | $150,298-24.2% | $137,256-16.9% |
| Participation rate | 88.9% | 81.7%+7.2pp | 77.8%+11.1pp | 80.0%+8.9pp |
| Annual return | 19.67% | 69.37%-49.7pp | 62.79%-43.1pp | 220.34%-200.7pp |
| Employer contribution / active EE | $4,732 | $4,636+2.1% | $4,154+13.9% | $4,156+13.9% |
| Participant deferral / active EE | $18,663 | $6,166+202.7% | $5,453+242.3% | $6,407+191.3% |
| Admin fee / account holder | $3,778 | $16,471-77.1% | $14,116-73.2% | $12,270-69.2% |