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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 | $153,126 | $154,228-0.7% | $145,433+5.3% | $137,256+11.6% |
| Participation rate | 84.2% | 83.8%+0.4pp | 82.1%+2.1pp | 80.0%+4.3pp |
| Annual return | 14.58% | 74.59%-60.0pp | 66.58%-52.0pp | 220.34%-205.8pp |
| Employer contribution / active EE | $3,880 | $4,804-19.2% | $4,554-14.8% | $4,156-6.6% |
| Participant deferral / active EE | $11,149 | $8,216+35.7% | $7,897+41.2% | $6,407+74.0% |
| Admin fee / account holder | $12,849 | $14,344-10.4% | $13,129-2.1% | $12,270+4.7% |