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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 | $169,657 | $162,812+4.2% | $133,971+26.6% | $158,966+6.7% |
| Participation rate | 71.4% | 83.2%-11.8pp | 79.8%-8.4pp | 82.0%-10.5pp |
| Annual return | 9.75% | 41.94%-32.2pp | 45.09%-35.3pp | 302.95%-293.2pp |
| Employer contribution / active EE | $2,082 | $4,976-58.2% | $3,919-46.9% | $4,762-56.3% |
| Participant deferral / active EE | $5,054 | $5,910-14.5% | $5,047+0.1% | $5,983-15.5% |
| Admin fee / account holder | $4,432 | $11,741-62.3% | $8,929-50.4% | $11,250-60.6% |