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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 | $136,215 | $148,629-8.4% | $135,982+0.2% | $139,487-2.3% |
| Participation rate | 78.6% | 83.9%-5.3pp | 81.9%-3.4pp | 80.3%-1.8pp |
| Annual return | 14.06% | 79.33%-65.3pp | 68.32%-54.3pp | 373.84%-359.8pp |
| Employer contribution / active EE | $3,179 | $5,247-39.4% | $4,859-34.6% | $4,755-33.1% |
| Participant deferral / active EE | $7,017 | $8,102-13.4% | $7,760-9.6% | $6,713+4.5% |
| Admin fee / account holder | $482 | $12,406-96.1% | $10,767-95.5% | $11,407-95.8% |