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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 | $43,351 | $162,821-73.4% | $133,978-67.6% | $158,982-72.7% |
| Participation rate | 72.7% | 83.2%-10.5pp | 79.8%-7.1pp | 82.0%-9.2pp |
| Annual return | 14.20% | 41.95%-27.7pp | 45.10%-30.9pp | 302.99%-288.8pp |
| Employer contribution / active EE | $6,955 | $4,976+39.8% | $3,919+77.5% | $4,763+46.0% |
| Participant deferral / active EE | $17,278 | $5,910+192.3% | $5,047+242.3% | $5,983+188.8% |
| Admin fee / account holder | $12,112 | $11,742+3.2% | $8,930+35.6% | $11,252+7.7% |