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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 | $156,124 | $149,741+4.3% | $118,914+31.3% | $158,982-1.8% |
| Participation rate | 70.6% | 82.1%-11.5pp | 75.4%-4.8pp | 82.0%-11.4pp |
| Annual return | 11.37% | 19.94%-8.6pp | 35.89%-24.5pp | 302.99%-291.6pp |
| Employer contribution / active EE | $1,427 | $4,119-65.3% | $3,264-56.3% | $4,763-70.0% |
| Participant deferral / active EE | $4,903 | $5,226-6.2% | $4,266+14.9% | $5,983-18.1% |
| Admin fee / account holder | $643 | $8,607-92.5% | $6,582-90.2% | $11,252-94.3% |