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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 | $39,628 | $148,629-73.3% | $135,982-70.9% | $139,487-71.6% |
| Participation rate | 84.2% | 83.9%+0.3pp | 81.9%+2.3pp | 80.3%+3.9pp |
| Annual return | 21.30% | 79.33%-58.0pp | 68.32%-47.0pp | 373.84%-352.5pp |
| Employer contribution / active EE | $3,683 | $5,247-29.8% | $4,859-24.2% | $4,755-22.5% |
| Participant deferral / active EE | $7,514 | $8,102-7.3% | $7,760-3.2% | $6,713+11.9% |
| Admin fee / account holder | $763 | $12,406-93.9% | $10,767-92.9% | $11,407-93.3% |