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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 | $213,091 | $124,425+71.3% | $112,040+90.2% | $137,256+55.3% |
| Participation rate | 75.0% | 79.3%-4.3pp | 76.5%-1.5pp | 80.0%-5.0pp |
| Annual return | 12.13% | 24.72%-12.6pp | 24.52%-12.4pp | 220.34%-208.2pp |
| Employer contribution / active EE | $1,218 | $3,411-64.3% | $2,954-58.8% | $4,156-70.7% |
| Participant deferral / active EE | $3,002 | $5,718-47.5% | $5,098-41.1% | $6,407-53.1% |
| Admin fee / account holder | $29,496 | $15,207+94.0% | $12,098+143.8% | $12,270+140.4% |