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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 | $141,266 | $185,312-23.8% | $161,489-12.5% | $154,746-8.7% |
| Participation rate | 94.4% | 82.5%+12.0pp | 78.7%+15.7pp | 80.7%+13.7pp |
| Annual return | 17.14% | 103.84%-86.7pp | 89.72%-72.6pp | 172.34%-155.2pp |
| Employer contribution / active EE | $6,200 | $4,769+30.0% | $4,268+45.3% | $4,379+41.6% |
| Participant deferral / active EE | $5,877 | $6,350-7.4% | $5,630+4.4% | $6,730-12.7% |
| Admin fee / account holder | $4,688 | $18,654-74.9% | $16,006-70.7% | $14,365-67.4% |