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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 | $131,569 | $98,776+33.2% | $149,745-12.1% | $79,856+64.8% |
| Participation rate | 71.4% | 75.8%-4.4pp | 82.5%-11.1pp | 69.6%+1.8pp |
| Annual return | 13.16% | 27.38%-14.2pp | 276.72%-263.6pp | 31.71%-18.5pp |
| Employer contribution / active EE | $1,044 | $3,217-67.5% | $4,646-77.5% | $2,471-57.7% |
| Participant deferral / active EE | $5,003 | $5,681-12.0% | $6,843-26.9% | $3,741+33.7% |
| Admin fee / account holder | $599 | $6,053-90.1% | $9,312-93.6% | $5,306-88.7% |