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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 | $161,691 | $165,399-2.2% | $149,745+8.0% | $158,982+1.7% |
| Participation rate | 89.5% | 84.6%+4.9pp | 82.5%+7.0pp | 82.0%+7.5pp |
| Annual return | 15.61% | 348.34%-332.7pp | 276.72%-261.1pp | 302.99%-287.4pp |
| Employer contribution / active EE | $5,292 | $5,105+3.7% | $4,646+13.9% | $4,763+11.1% |
| Participant deferral / active EE | $12,794 | $7,183+78.1% | $6,843+87.0% | $5,983+113.8% |
| Admin fee / account holder | $7,814 | $10,811-27.7% | $9,312-16.1% | $11,252-30.5% |