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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 | $93,963 | $114,119-17.7% | $107,187-12.3% | $138,895-32.3% |
| Participation rate | 72.7% | 78.1%-5.3pp | 75.0%-2.3pp | 79.9%-7.2pp |
| Annual return | 12.43% | 273.21%-260.8pp | 204.55%-192.1pp | 145.39%-133.0pp |
| Employer contribution / active EE | $1,669 | $4,059-58.9% | $3,782-55.9% | $4,194-60.2% |
| Participant deferral / active EE | $7,680 | $5,538+38.7% | $5,096+50.7% | $6,396+20.1% |
| Admin fee / account holder | $8,782 | $10,024-12.4% | $9,162-4.1% | $12,562-30.1% |