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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 | $114,167 | $157,270-27.4% | $141,173-19.1% | $152,870-25.3% |
| Participation rate | 70.0% | 84.8%-14.8pp | 82.5%-12.5pp | 82.4%-12.4pp |
| Annual return | 38.05% | 64.33%-26.3pp | 71.40%-33.3pp | 345.34%-307.3pp |
| Employer contribution / active EE | $4,573 | $5,261-13.1% | $4,735-3.4% | $4,763-4.0% |
| Participant deferral / active EE | $9,282 | $7,110+30.5% | $6,710+38.3% | $5,850+58.6% |
| Admin fee / account holder | $4,636 | $12,121-61.8% | $10,262-54.8% | $11,597-60.0% |