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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 | $133,348 | $157,276-15.2% | $141,177-5.5% | $152,885-12.8% |
| Participation rate | 83.3% | 84.8%-1.5pp | 82.5%+0.9pp | 82.5%+0.9pp |
| Annual return | 28.83% | 64.33%-35.5pp | 71.40%-42.6pp | 345.39%-316.6pp |
| Employer contribution / active EE | $2,086 | $5,262-60.4% | $4,736-56.0% | $4,763-56.2% |
| Participant deferral / active EE | $6,792 | $7,110-4.5% | $6,710+1.2% | $5,851+16.1% |
| Admin fee / account holder | $2,772 | $12,123-77.1% | $10,263-73.0% | $11,598-76.1% |