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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 | $109,325 | $152,619-28.4% | $125,195-12.7% | $152,909-28.5% |
| Participation rate | 76.2% | 83.3%-7.2pp | 79.8%-3.6pp | 82.5%-6.3pp |
| Annual return | 21.07% | 54.85%-33.8pp | 43.79%-22.7pp | 345.46%-324.4pp |
| Employer contribution / active EE | $1,837 | $4,947-62.9% | $3,866-52.5% | $4,764-61.4% |
| Participant deferral / active EE | $4,998 | $5,869-14.8% | $4,937+1.2% | $5,851-14.6% |
| Admin fee / account holder | $809 | $13,437-94.0% | $9,704-91.7% | $11,601-93.0% |