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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 | $149,040 | $152,612-2.3% | $125,192+19.0% | $152,897-2.5% |
| Participation rate | 73.7% | 83.3%-9.7pp | 79.8%-6.1pp | 82.5%-8.8pp |
| Annual return | 22.66% | 54.85%-32.2pp | 43.79%-21.1pp | 345.43%-322.8pp |
| Employer contribution / active EE | $3,067 | $4,947-38.0% | $3,866-20.7% | $4,764-35.6% |
| Participant deferral / active EE | $6,520 | $5,868+11.1% | $4,937+32.1% | $5,851+11.4% |
| Admin fee / account holder | $7,612 | $13,437-43.4% | $9,704-21.6% | $11,599-34.4% |