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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 | $116,497 | $183,592-36.5% | $155,567-25.1% | $145,959-20.2% |
| Participation rate | 75.0% | 82.7%-7.7pp | 78.2%-3.2pp | 80.3%-5.3pp |
| Annual return | 23.60% | 61.24%-37.6pp | 64.74%-41.1pp | 561.95%-538.3pp |
| Employer contribution / active EE | $3,890 | $5,315-26.8% | $4,674-16.8% | $4,661-16.5% |
| Participant deferral / active EE | $9,196 | $6,464+42.3% | $5,628+63.4% | $6,689+37.5% |
| Admin fee / account holder | $6,728 | $19,318-65.2% | $15,916-57.7% | $13,398-49.8% |