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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 | $151,089 | $98,776+53.0% | $149,745+0.9% | $79,856+89.2% |
| Participation rate | 78.3% | 75.8%+2.5pp | 82.5%-4.2pp | 69.6%+8.6pp |
| Annual return | 18.81% | 27.38%-8.6pp | 276.72%-257.9pp | 31.71%-12.9pp |
| Employer contribution / active EE | $1,301 | $3,217-59.6% | $4,646-72.0% | $2,471-47.4% |
| Participant deferral / active EE | $9,683 | $5,681+70.4% | $6,843+41.5% | $3,741+158.9% |
| Admin fee / account holder | $9,386 | $6,053+55.1% | $9,312+0.8% | $5,306+76.9% |