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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 | $137,627 | $127,790+7.7% | $106,554+29.2% | $167,553-17.9% |
| Participation rate | 78.6% | 78.3%+0.3pp | 76.1%+2.4pp | 82.1%-3.5pp |
| Annual return | 17.27% | 33.88%-16.6pp | 26.80%-9.5pp | 478.89%-461.6pp |
| Employer contribution / active EE | $2,489 | $3,427-27.4% | $2,819-11.7% | $4,840-48.6% |
| Participant deferral / active EE | $7,967 | $5,088+56.6% | $4,398+81.1% | $6,343+25.6% |
| Admin fee / account holder | $4,578 | $11,231-59.2% | $7,408-38.2% | $12,316-62.8% |