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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 | $161,420 | $127,273+26.8% | $109,895+46.9% | $167,518-3.6% |
| Participation rate | 72.7% | 77.9%-5.2pp | 74.2%-1.5pp | 82.1%-9.4pp |
| Annual return | 19.91% | 22.97%-3.1pp | 29.46%-9.6pp | 478.71%-458.8pp |
| Employer contribution / active EE | $1,633 | $3,324-50.9% | $2,843-42.6% | $4,838-66.3% |
| Participant deferral / active EE | $4,443 | $4,515-1.6% | $4,049+9.7% | $6,342-29.9% |
| Admin fee / account holder | $1,360 | $7,117-80.9% | $6,067-77.6% | $12,312-89.0% |