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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 | $169,073 | $117,829+43.5% | $102,423+65.1% | $145,877+15.9% |
| Participation rate | 71.4% | 78.6%-7.2pp | 76.5%-5.1pp | 80.3%-8.9pp |
| Annual return | 14.66% | 31.83%-17.2pp | 29.42%-14.8pp | 551.28%-536.6pp |
| Employer contribution / active EE | $1,672 | $3,615-53.7% | $3,023-44.7% | $4,663-64.1% |
| Participant deferral / active EE | $3,428 | $5,732-40.2% | $5,054-32.2% | $6,691-48.8% |
| Admin fee / account holder | $10,803 | $13,335-19.0% | $9,455+14.3% | $13,402-19.4% |