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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 | $166,251 | $83,337+99.5% | $67,834+145.1% | $273,972-39.3% |
| Participation rate | 88.2% | 76.4%+11.8pp | 68.8%+19.4pp | 83.0%+5.2pp |
| Annual return | 7.82% | 259.45%-251.6pp | 138.47%-130.7pp | 41.46%-33.6pp |
| Employer contribution / active EE | $1,527 | $3,287-53.6% | $2,403-36.5% | $4,869-68.6% |
| Participant deferral / active EE | $3,264 | $4,088-20.2% | $3,160+3.3% | $5,287-38.3% |
| Admin fee / account holder | $4,001 | $6,752-40.7% | $4,622-13.4% | $10,133-60.5% |