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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 | $79,768 | $129,737-38.5% | $119,126-33.0% | $154,746-48.5% |
| Participation rate | 71.4% | 78.9%-7.4pp | 75.8%-4.3pp | 80.7%-9.3pp |
| Annual return | 19.52% | 379.08%-359.6pp | 282.11%-262.6pp | 172.34%-152.8pp |
| Employer contribution / active EE | $1,948 | $4,375-55.5% | $4,034-51.7% | $4,379-55.5% |
| Participant deferral / active EE | $8,773 | $5,842+50.2% | $5,318+65.0% | $6,730+30.3% |
| Admin fee / account holder | $4,859 | $11,961-59.4% | $10,693-54.6% | $14,365-66.2% |