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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 | $138,474 | $172,111-19.5% | $150,298-7.9% | $137,256+0.9% |
| Participation rate | 71.4% | 81.7%-10.3pp | 77.8%-6.3pp | 80.0%-8.5pp |
| Annual return | 15.37% | 69.37%-54.0pp | 62.79%-47.4pp | 220.34%-205.0pp |
| Employer contribution / active EE | $7,963 | $4,636+71.7% | $4,154+91.7% | $4,156+91.6% |
| Participant deferral / active EE | $5,589 | $6,166-9.3% | $5,453+2.5% | $6,407-12.8% |
| Admin fee / account holder | $373 | $16,471-97.7% | $14,116-97.4% | $12,270-97.0% |