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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 | $120,629 | $77,908+54.8% | $149,696-19.4% | $75,173+60.5% |
| Participation rate | 84.2% | 65.6%+18.6pp | 78.8%+5.4pp | 67.2%+17.0pp |
| Annual return | 14.63% | 31.73%-17.1pp | 134.46%-119.8pp | 160.72%-146.1pp |
| Employer contribution / active EE | $1,916 | $3,138-38.9% | $4,821-60.3% | $2,671-28.3% |
| Participant deferral / active EE | $4,535 | $3,411+33.0% | $5,682-20.2% | $4,126+9.9% |
| Admin fee / account holder | $2,342 | $5,950-60.6% | $13,212-82.3% | $5,651-58.5% |