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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 | $207,774 | $110,379+88.2% | $102,412+102.9% | $145,884+42.4% |
| Participation rate | 78.6% | 77.9%+0.6pp | 74.5%+4.1pp | 80.3%-1.7pp |
| Annual return | 11.18% | 24.84%-13.7pp | 24.94%-13.8pp | 551.85%-540.7pp |
| Employer contribution / active EE | $1,290 | $4,216-69.4% | $3,870-66.7% | $4,662-72.3% |
| Participant deferral / active EE | $4,553 | $5,622-19.0% | $5,060-10.0% | $6,690-31.9% |
| Admin fee / account holder | $1,141 | $9,745-88.3% | $8,388-86.4% | $13,392-91.5% |