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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 | $64,242 | $162,812-60.5% | $133,971-52.0% | $158,966-59.6% |
| Participation rate | 87.5% | 83.2%+4.3pp | 79.8%+7.7pp | 82.0%+5.5pp |
| Annual return | 14.50% | 41.94%-27.4pp | 45.09%-30.6pp | 302.95%-288.4pp |
| Employer contribution / active EE | $3,682 | $4,976-26.0% | $3,919-6.0% | $4,762-22.7% |
| Participant deferral / active EE | $7,135 | $5,910+20.7% | $5,047+41.4% | $5,983+19.3% |
| Admin fee / account holder | $397 | $11,741-96.6% | $8,929-95.6% | $11,250-96.5% |