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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 | $125,079 | $124,346+0.6% | $111,306+12.4% | $167,553-25.3% |
| Participation rate | 75.0% | 79.6%-4.6pp | 77.3%-2.3pp | 82.1%-7.1pp |
| Annual return | 13.81% | 37.46%-23.6pp | 54.67%-40.9pp | 478.89%-465.1pp |
| Employer contribution / active EE | $2,537 | $3,438-26.2% | $2,732-7.2% | $4,840-47.6% |
| Participant deferral / active EE | $6,429 | $5,182+24.1% | $4,488+43.3% | $6,343+1.4% |
| Admin fee / account holder | $3,765 | $10,623-64.6% | $7,966-52.7% | $12,316-69.4% |