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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 | $157,202 | $211,239-25.6% | $178,528-11.9% | $145,877+7.8% |
| Participation rate | 81.8% | 80.8%+1.0pp | 77.1%+4.7pp | 80.3%+1.5pp |
| Annual return | 19.65% | 30.22%-10.6pp | 27.11%-7.5pp | 551.28%-531.6pp |
| Employer contribution / active EE | $1,443 | $4,570-68.4% | $3,950-63.5% | $4,663-69.1% |
| Participant deferral / active EE | $2,246 | $6,963-67.7% | $6,278-64.2% | $6,691-66.4% |
| Admin fee / account holder | $27,810 | $12,095+129.9% | $10,419+166.9% | $13,402+107.5% |