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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 | $138,854 | $154,159-9.9% | $130,026+6.8% | $139,456-0.4% |
| Participation rate | 75.0% | 82.0%-7.0pp | 78.5%-3.5pp | 80.3%-5.3pp |
| Annual return | 16.06% | 32.50%-16.4pp | -137.26%+153.3pp | 373.45%-357.4pp |
| Employer contribution / active EE | $4,065 | $5,292-23.2% | $4,321-5.9% | $4,753-14.5% |
| Participant deferral / active EE | $7,025 | $6,710+4.7% | $5,821+20.7% | $6,711+4.7% |
| Admin fee / account holder | $1,180 | $14,001-91.6% | $10,608-88.9% | $11,407-89.7% |