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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 | $130,636 | $157,829-17.2% | $136,867-4.6% | $198,609-34.2% |
| Participation rate | 75.0% | 77.2%-2.2pp | 74.5%+0.5pp | 82.4%-7.4pp |
| Annual return | 18.12% | 51.25%-33.1pp | 42.97%-24.9pp | 202.70%-184.6pp |
| Employer contribution / active EE | $1,805 | $3,923-54.0% | $3,547-49.1% | $5,055-64.3% |
| Participant deferral / active EE | $5,435 | $5,463-0.5% | $4,924+10.4% | $6,977-22.1% |
| Admin fee / account holder | $738 | $11,107-93.4% | $10,340-92.9% | $19,030-96.1% |