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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 | $99,277 | $148,623-33.2% | $135,974-27.0% | $139,466-28.8% |
| Participation rate | 76.5% | 83.9%-7.4pp | 81.9%-5.4pp | 80.3%-3.9pp |
| Annual return | 21.47% | 79.30%-57.8pp | 68.30%-46.8pp | 373.66%-352.2pp |
| Employer contribution / active EE | $3,736 | $5,246-28.8% | $4,859-23.1% | $4,754-21.4% |
| Participant deferral / active EE | $7,495 | $8,103-7.5% | $7,760-3.4% | $6,712+11.7% |
| Admin fee / account holder | $7,596 | $12,406-38.8% | $10,767-29.4% | $11,409-33.4% |