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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 | $154,550 | $127,790+20.9% | $106,555+45.0% | $167,536-7.8% |
| Participation rate | 90.9% | 78.3%+12.6pp | 76.1%+14.8pp | 82.1%+8.8pp |
| Annual return | 11.70% | 33.88%-22.2pp | 26.80%-15.1pp | 478.82%-467.1pp |
| Employer contribution / active EE | $1,676 | $3,428-51.1% | $2,819-40.6% | $4,839-65.4% |
| Participant deferral / active EE | $3,297 | $5,088-35.2% | $4,399-25.1% | $6,342-48.0% |
| Admin fee / account holder | $2,323 | $11,229-79.3% | $7,408-68.6% | $12,315-81.1% |