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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 | $120,576 | $157,276-23.3% | $141,177-14.6% | $152,885-21.1% |
| Participation rate | 75.0% | 84.8%-9.8pp | 82.5%-7.5pp | 82.5%-7.5pp |
| Annual return | 22.62% | 64.33%-41.7pp | 71.40%-48.8pp | 345.39%-322.8pp |
| Employer contribution / active EE | $3,964 | $5,262-24.7% | $4,736-16.3% | $4,763-16.8% |
| Participant deferral / active EE | $5,602 | $7,110-21.2% | $6,710-16.5% | $5,851-4.3% |
| Admin fee / account holder | $16,022 | $12,123+32.2% | $10,263+56.1% | $11,598+38.1% |