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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 | $130,904 | $152,619-14.2% | $125,195+4.6% | $152,909-14.4% |
| Participation rate | 75.0% | 83.3%-8.3pp | 79.8%-4.8pp | 82.5%-7.5pp |
| Annual return | 24.92% | 54.85%-29.9pp | 43.79%-18.9pp | 345.46%-320.5pp |
| Employer contribution / active EE | $6,511 | $4,947+31.6% | $3,866+68.4% | $4,764+36.7% |
| Participant deferral / active EE | $3,485 | $5,869-40.6% | $4,937-29.4% | $5,851-40.4% |
| Admin fee / account holder | $2,994 | $13,437-77.7% | $9,704-69.1% | $11,601-74.2% |