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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 | $120,175 | $96,731+24.2% | $123,973-3.1% | $86,983+38.2% |
| Participation rate | 81.8% | 70.0%+11.8pp | 76.7%+5.2pp | 69.5%+12.3pp |
| Annual return | 16.97% | 17.33%-0.4pp | 388.13%-371.2pp | 25.83%-8.9pp |
| Employer contribution / active EE | $1,530 | $3,297-53.6% | $4,126-62.9% | $2,584-40.8% |
| Participant deferral / active EE | $8,020 | $4,152+93.2% | $5,247+52.8% | $4,194+91.2% |
| Admin fee / account holder | $6,039 | $8,722-30.8% | $11,799-48.8% | $7,856-23.1% |