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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 | $128,207 | $98,776+29.8% | $149,745-14.4% | $79,856+60.5% |
| Participation rate | 75.9% | 75.8%+0.1pp | 82.5%-6.6pp | 69.6%+6.3pp |
| Annual return | 15.79% | 27.38%-11.6pp | 276.72%-260.9pp | 31.71%-15.9pp |
| Employer contribution / active EE | $1,083 | $3,217-66.3% | $4,646-76.7% | $2,471-56.2% |
| Participant deferral / active EE | $8,307 | $5,681+46.2% | $6,843+21.4% | $3,741+122.1% |
| Admin fee / account holder | $5,521 | $6,053-8.8% | $9,312-40.7% | $5,306+4.0% |