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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 | $161,977 | $201,370-19.6% | $184,256-12.1% | $145,897+11.0% |
| Participation rate | 73.9% | 87.5%-13.6pp | 86.8%-12.9pp | 80.3%-6.4pp |
| Annual return | 13.68% | 29.05%-15.4pp | 28.85%-15.2pp | 552.29%-538.6pp |
| Employer contribution / active EE | $2,648 | $7,024-62.3% | $6,427-58.8% | $4,663-43.2% |
| Participant deferral / active EE | $5,874 | $9,808-40.1% | $9,133-35.7% | $6,689-12.2% |
| Admin fee / account holder | $1,081 | $16,364-93.4% | $13,899-92.2% | $13,390-91.9% |