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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 | $45,572 | $148,629-69.3% | $135,982-66.5% | $139,487-67.3% |
| Participation rate | 88.2% | 83.9%+4.4pp | 81.9%+6.3pp | 80.3%+7.9pp |
| Annual return | 21.76% | 79.33%-57.6pp | 68.32%-46.6pp | 373.84%-352.1pp |
| Employer contribution / active EE | $4,075 | $5,247-22.3% | $4,859-16.1% | $4,755-14.3% |
| Participant deferral / active EE | $7,781 | $8,102-4.0% | $7,760+0.3% | $6,713+15.9% |
| Admin fee / account holder | $4,432 | $12,406-64.3% | $10,767-58.8% | $11,407-61.1% |