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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 | $117,766 | $124,346-5.3% | $111,308+5.8% | $167,536-29.7% |
| Participation rate | 76.9% | 79.6%-2.7pp | 77.3%-0.4pp | 82.1%-5.2pp |
| Annual return | 13.20% | 37.45%-24.3pp | 54.67%-41.5pp | 478.82%-465.6pp |
| Employer contribution / active EE | $2,064 | $3,437-40.0% | $2,732-24.5% | $4,839-57.4% |
| Participant deferral / active EE | $3,590 | $5,182-30.7% | $4,487-20.0% | $6,342-43.4% |
| Admin fee / account holder | $12,754 | $10,621+20.1% | $7,965+60.1% | $12,315+3.6% |