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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 | $112,069 | $117,859-4.9% | $102,438+9.4% | $145,959-23.2% |
| Participation rate | 77.8% | 78.6%-0.8pp | 76.5%+1.3pp | 80.3%-2.5pp |
| Annual return | 16.34% | 31.72%-15.4pp | 29.37%-13.0pp | 561.95%-545.6pp |
| Employer contribution / active EE | $1,986 | $3,615-45.1% | $3,024-34.3% | $4,661-57.4% |
| Participant deferral / active EE | $2,955 | $5,732-48.4% | $5,054-41.5% | $6,689-55.8% |
| Admin fee / account holder | $30,695 | $13,318+130.5% | $9,448+224.9% | $13,398+129.1% |