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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 | $43,188 | $162,821-73.5% | $133,978-67.8% | $158,982-72.8% |
| Participation rate | 75.0% | 83.2%-8.2pp | 79.8%-4.8pp | 82.0%-7.0pp |
| Annual return | 13.63% | 41.95%-28.3pp | 45.10%-31.5pp | 302.99%-289.4pp |
| Employer contribution / active EE | $3,969 | $4,976-20.3% | $3,919+1.3% | $4,763-16.7% |
| Participant deferral / active EE | $7,495 | $5,910+26.8% | $5,047+48.5% | $5,983+25.3% |
| Admin fee / account holder | $12,129 | $11,742+3.3% | $8,930+35.8% | $11,252+7.8% |