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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 | $153,613 | $172,111-10.7% | $150,298+2.2% | $137,256+11.9% |
| Participation rate | 71.4% | 81.7%-10.3pp | 77.8%-6.3pp | 80.0%-8.5pp |
| Annual return | 12.70% | 69.37%-56.7pp | 62.79%-50.1pp | 220.34%-207.6pp |
| Employer contribution / active EE | $2,371 | $4,636-48.9% | $4,154-42.9% | $4,156-43.0% |
| Participant deferral / active EE | $8,621 | $6,166+39.8% | $5,453+58.1% | $6,407+34.6% |
| Admin fee / account holder | $544 | $16,471-96.7% | $14,116-96.1% | $12,270-95.6% |