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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 | $142,384 | $178,174-20.1% | $156,181-8.8% | $137,256+3.7% |
| Participation rate | 75.0% | 82.0%-7.0pp | 78.8%-3.8pp | 80.0%-5.0pp |
| Annual return | 17.48% | 84.19%-66.7pp | 64.87%-47.4pp | 220.34%-202.9pp |
| Employer contribution / active EE | $4,027 | $4,972-19.0% | $4,294-6.2% | $4,156-3.1% |
| Participant deferral / active EE | $8,740 | $6,888+26.9% | $6,132+42.5% | $6,407+36.4% |
| Admin fee / account holder | $7,586 | $17,404-56.4% | $14,586-48.0% | $12,270-38.2% |