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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 | $130,689 | $157,304-16.9% | $141,197-7.4% | $152,909-14.5% |
| Participation rate | 75.0% | 84.8%-9.8pp | 82.5%-7.5pp | 82.5%-7.5pp |
| Annual return | 23.38% | 64.34%-41.0pp | 71.41%-48.0pp | 345.46%-322.1pp |
| Employer contribution / active EE | $3,389 | $5,263-35.6% | $4,736-28.4% | $4,764-28.9% |
| Participant deferral / active EE | $6,627 | $7,111-6.8% | $6,710-1.2% | $5,851+13.3% |
| Admin fee / account holder | $2,189 | $12,126-81.9% | $10,265-78.7% | $11,601-81.1% |