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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 | $80,827 | $77,920+3.7% | $149,723-46.0% | $75,177+7.5% |
| Participation rate | 81.3% | 65.6%+15.7pp | 78.8%+2.5pp | 67.2%+14.0pp |
| Annual return | 16.11% | 31.72%-15.6pp | 134.50%-118.4pp | 160.75%-144.6pp |
| Employer contribution / active EE | $1,694 | $3,138-46.0% | $4,821-64.9% | $2,671-36.6% |
| Participant deferral / active EE | $4,175 | $3,411+22.4% | $5,682-26.5% | $4,126+1.2% |
| Admin fee / account holder | $525 | $5,951-91.2% | $13,215-96.0% | $5,651-90.7% |