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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 | $112,798 | $124,351-9.3% | $109,188+3.3% | $167,553-32.7% |
| Participation rate | 71.4% | 79.4%-8.0pp | 75.9%-4.5pp | 82.1%-10.7pp |
| Annual return | 13.87% | 26.04%-12.2pp | 25.76%-11.9pp | 478.89%-465.0pp |
| Employer contribution / active EE | $2,579 | $4,210-38.7% | $3,723-30.7% | $4,840-46.7% |
| Participant deferral / active EE | $7,947 | $5,257+51.2% | $4,654+70.8% | $6,343+25.3% |
| Admin fee / account holder | $9,587 | $7,975+20.2% | $6,755+41.9% | $12,316-22.2% |