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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 | $133,213 | $154,193-13.6% | $130,045+2.4% | $139,466-4.5% |
| Participation rate | 76.2% | 82.0%-5.8pp | 78.5%-2.3pp | 80.3%-4.1pp |
| Annual return | 24.74% | 32.51%-7.8pp | -137.30%+162.0pp | 373.66%-348.9pp |
| Employer contribution / active EE | $3,009 | $5,292-43.1% | $4,321-30.4% | $4,754-36.7% |
| Participant deferral / active EE | $6,407 | $6,709-4.5% | $5,820+10.1% | $6,712-4.5% |
| Admin fee / account holder | $375 | $13,989-97.3% | $10,600-96.5% | $11,409-96.7% |