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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 | $139,654 | $134,817+3.6% | $123,973+12.6% | $155,188-10.0% |
| Participation rate | 88.9% | 79.4%+9.5pp | 76.7%+12.2pp | 80.8%+8.1pp |
| Annual return | 13.08% | 515.49%-502.4pp | 388.13%-375.1pp | 148.84%-135.8pp |
| Employer contribution / active EE | $3,994 | $4,425-9.7% | $4,126-3.2% | $4,248-6.0% |
| Participant deferral / active EE | $3,994 | $5,706-30.0% | $5,247-23.9% | $6,531-38.8% |
| Admin fee / account holder | $1,339 | $13,245-89.9% | $11,799-88.7% | $14,480-90.8% |