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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 | $142,346 | $117,433+21.2% | $99,475+43.1% | $152,897-6.9% |
| Participation rate | 75.0% | 77.5%-2.5pp | 73.8%+1.2pp | 82.5%-7.5pp |
| Annual return | 22.78% | 31.87%-9.1pp | 30.72%-7.9pp | 345.43%-322.7pp |
| Employer contribution / active EE | $2,126 | $3,013-29.5% | $2,540-16.3% | $4,764-55.4% |
| Participant deferral / active EE | $5,632 | $4,086+37.9% | $3,619+55.6% | $5,851-3.7% |
| Admin fee / account holder | $323 | $7,634-95.8% | $6,252-94.8% | $11,599-97.2% |