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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 | $129,178 | $162,812-20.7% | $133,971-3.6% | $158,966-18.7% |
| Participation rate | 75.0% | 83.2%-8.2pp | 79.8%-4.8pp | 82.0%-7.0pp |
| Annual return | 13.66% | 41.94%-28.3pp | 45.09%-31.4pp | 302.95%-289.3pp |
| Employer contribution / active EE | $1,788 | $4,976-64.1% | $3,919-54.4% | $4,762-62.5% |
| Participant deferral / active EE | $4,822 | $5,910-18.4% | $5,047-4.5% | $5,983-19.4% |
| Admin fee / account holder | $581 | $11,741-95.1% | $8,929-93.5% | $11,250-94.8% |