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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 | $101,482 | $77,908+30.3% | $149,696-32.2% | $75,173+35.0% |
| Participation rate | 80.0% | 65.6%+14.4pp | 78.8%+1.2pp | 67.2%+12.8pp |
| Annual return | 14.49% | 31.73%-17.2pp | 134.46%-120.0pp | 160.72%-146.2pp |
| Employer contribution / active EE | $1,200 | $3,138-61.7% | $4,821-75.1% | $2,671-55.1% |
| Participant deferral / active EE | $959 | $3,411-71.9% | $5,682-83.1% | $4,126-76.8% |
| Admin fee / account holder | $3,491 | $5,950-41.3% | $13,212-73.6% | $5,651-38.2% |