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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 | $149,749 | $124,351+20.4% | $109,188+37.1% | $167,553-10.6% |
| Participation rate | 83.3% | 79.4%+3.9pp | 75.9%+7.5pp | 82.1%+1.2pp |
| Annual return | 15.28% | 26.04%-10.8pp | 25.76%-10.5pp | 478.89%-463.6pp |
| Employer contribution / active EE | $1,250 | $4,210-70.3% | $3,723-66.4% | $4,840-74.2% |
| Participant deferral / active EE | $3,213 | $5,257-38.9% | $4,654-31.0% | $6,343-49.3% |
| Admin fee / account holder | $369 | $7,975-95.4% | $6,755-94.5% | $12,316-97.0% |