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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 | $219,476 | $209,336+4.8% | $197,124+11.3% | $137,256+59.9% |
| Participation rate | 88.9% | 87.3%+1.6pp | 86.7%+2.2pp | 80.0%+8.9pp |
| Annual return | 25.75% | 48.09%-22.3pp | 44.34%-18.6pp | 220.34%-194.6pp |
| Employer contribution / active EE | $2,125 | $6,591-67.8% | $6,227-65.9% | $4,156-48.9% |
| Participant deferral / active EE | $12,490 | $9,614+29.9% | $9,135+36.7% | $6,407+94.9% |
| Admin fee / account holder | $6,369 | $17,308-63.2% | $16,298-60.9% | $12,270-48.1% |