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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 | $167,219 | $183,627-8.9% | $155,602+7.5% | $145,978+14.6% |
| Participation rate | 71.4% | 82.7%-11.3pp | 78.2%-6.8pp | 80.3%-8.9pp |
| Annual return | 30.27% | 61.32%-31.0pp | 64.81%-34.5pp | 550.52%-520.2pp |
| Employer contribution / active EE | $2,361 | $5,316-55.6% | $4,675-49.5% | $4,662-49.3% |
| Participant deferral / active EE | $3,870 | $6,466-40.1% | $5,629-31.2% | $6,690-42.1% |
| Admin fee / account holder | $8,948 | $19,327-53.7% | $15,923-43.8% | $13,400-33.2% |