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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 | $88,012 | $91,198-3.5% | $178,503-50.7% | $79,856+10.2% |
| Participation rate | 72.7% | 69.2%+3.5pp | 81.9%-9.2pp | 69.6%+3.1pp |
| Annual return | 11.58% | 24.20%-12.6pp | 151.12%-139.5pp | 31.71%-20.1pp |
| Employer contribution / active EE | $852 | $3,257-73.8% | $5,011-83.0% | $2,471-65.5% |
| Participant deferral / active EE | $3,798 | $3,237+17.3% | $5,202-27.0% | $3,741+1.5% |
| Admin fee / account holder | $818 | $6,748-87.9% | $13,987-94.2% | $5,306-84.6% |