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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 | $81,722 | $65,395+25.0% | $182,540-55.2% | $72,975+12.0% |
| Participation rate | 82.1% | 65.4%+16.7pp | 78.0%+4.2pp | 69.5%+12.7pp |
| Annual return | 21.35% | 27.68%-6.3pp | 148.58%-127.2pp | 81.01%-59.7pp |
| Employer contribution / active EE | $362 | $1,911-81.1% | $4,076-91.1% | $2,440-85.2% |
| Participant deferral / active EE | $4,884 | $3,563+37.1% | $5,525-11.6% | $3,608+35.4% |
| Admin fee / account holder | $1,446 | $4,245-65.9% | $8,593-83.2% | $5,124-71.8% |