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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 | $162,739 | $124,346+30.9% | $111,306+46.2% | $167,553-2.9% |
| Participation rate | 70.6% | 79.6%-9.0pp | 77.3%-6.7pp | 82.1%-11.5pp |
| Annual return | 14.69% | 37.46%-22.8pp | 54.67%-40.0pp | 478.89%-464.2pp |
| Employer contribution / active EE | $2,396 | $3,438-30.3% | $2,732-12.3% | $4,840-50.5% |
| Participant deferral / active EE | $6,254 | $5,182+20.7% | $4,488+39.4% | $6,343-1.4% |
| Admin fee / account holder | $5,086 | $10,623-52.1% | $7,966-36.1% | $12,316-58.7% |