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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 | $79,108 | $108,922-27.4% | $100,398-21.2% | $145,978-45.8% |
| Participation rate | 77.8% | 83.0%-5.2pp | 81.5%-3.7pp | 80.3%-2.5pp |
| Annual return | 17.48% | 58.04%-40.6pp | 49.32%-31.8pp | 550.52%-533.0pp |
| Employer contribution / active EE | $3,166 | $4,426-28.5% | $3,946-19.8% | $4,662-32.1% |
| Participant deferral / active EE | $7,140 | $8,450-15.5% | $8,084-11.7% | $6,690+6.7% |
| Admin fee / account holder | $4,213 | $9,680-56.5% | $7,893-46.6% | $13,400-68.6% |