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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 | $129,514 | $98,766+31.1% | $149,730-13.5% | $79,852+62.2% |
| Participation rate | 90.9% | 75.8%+15.1pp | 82.5%+8.4pp | 69.6%+21.3pp |
| Annual return | 12.79% | 27.43%-14.6pp | 276.70%-263.9pp | 31.72%-18.9pp |
| Employer contribution / active EE | $886 | $3,217-72.5% | $4,645-80.9% | $2,471-64.2% |
| Participant deferral / active EE | $10,158 | $5,681+78.8% | $6,843+48.4% | $3,740+171.6% |
| Admin fee / account holder | $1,467 | $6,052-75.8% | $9,310-84.2% | $5,306-72.3% |