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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 | $95,358 | $157,276-39.4% | $141,177-32.5% | $152,885-37.6% |
| Participation rate | 86.7% | 84.8%+1.8pp | 82.5%+4.2pp | 82.5%+4.2pp |
| Annual return | 20.98% | 64.33%-43.3pp | 71.40%-50.4pp | 345.39%-324.4pp |
| Employer contribution / active EE | $3,304 | $5,262-37.2% | $4,736-30.2% | $4,763-30.6% |
| Participant deferral / active EE | $10,795 | $7,110+51.8% | $6,710+60.9% | $5,851+84.5% |
| Admin fee / account holder | $757 | $12,123-93.8% | $10,263-92.6% | $11,598-93.5% |