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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 | $135,800 | $162,821-16.6% | $133,978+1.4% | $158,982-14.6% |
| Participation rate | 85.7% | 83.2%+2.5pp | 79.8%+5.9pp | 82.0%+3.7pp |
| Annual return | 18.32% | 41.95%-23.6pp | 45.10%-26.8pp | 302.99%-284.7pp |
| Employer contribution / active EE | $1,630 | $4,976-67.2% | $3,919-58.4% | $4,763-65.8% |
| Participant deferral / active EE | $3,375 | $5,910-42.9% | $5,047-33.1% | $5,983-43.6% |
| Admin fee / account holder | $613 | $11,742-94.8% | $8,930-93.1% | $11,252-94.6% |