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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 | $98,126 | $141,004-30.4% | $112,273-12.6% | $139,466-29.6% |
| Participation rate | 75.0% | 79.2%-4.2pp | 72.4%+2.6pp | 80.3%-5.3pp |
| Annual return | 12.56% | 32.75%-20.2pp | 30.23%-17.7pp | 373.66%-361.1pp |
| Employer contribution / active EE | $1,424 | $4,285-66.8% | $3,431-58.5% | $4,754-70.1% |
| Participant deferral / active EE | $8,776 | $5,878+49.3% | $4,800+82.9% | $6,712+30.8% |
| Admin fee / account holder | $1,489 | $9,959-85.1% | $7,752-80.8% | $11,409-87.0% |