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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 | $91,594 | $100,004-8.4% | $81,438+12.5% | $145,959-37.2% |
| Participation rate | 93.8% | 74.2%+19.6pp | 69.5%+24.2pp | 80.3%+13.5pp |
| Annual return | 11.24% | 34.34%-23.1pp | 24.74%-13.5pp | 561.95%-550.7pp |
| Employer contribution / active EE | $1,616 | $2,970-45.6% | $2,460-34.3% | $4,661-65.3% |
| Participant deferral / active EE | $3,238 | $4,603-29.7% | $3,883-16.6% | $6,689-51.6% |
| Admin fee / account holder | $1,208 | $8,202-85.3% | $5,764-79.0% | $13,398-91.0% |