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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 | $127,555 | $157,296-18.9% | $141,191-9.7% | $152,897-16.6% |
| Participation rate | 75.0% | 84.8%-9.8pp | 82.5%-7.5pp | 82.5%-7.5pp |
| Annual return | 21.43% | 64.34%-42.9pp | 71.41%-50.0pp | 345.43%-324.0pp |
| Employer contribution / active EE | $3,959 | $5,262-24.8% | $4,736-16.4% | $4,764-16.9% |
| Participant deferral / active EE | $10,719 | $7,111+50.7% | $6,710+59.7% | $5,851+83.2% |
| Admin fee / account holder | $479 | $12,125-96.0% | $10,264-95.3% | $11,599-95.9% |