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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 | $129,186 | $98,760+30.8% | $149,710-13.7% | $79,860+61.8% |
| Participation rate | 81.8% | 75.8%+6.0pp | 82.5%-0.7pp | 69.6%+12.2pp |
| Annual return | 19.51% | 27.43%-7.9pp | 276.63%-257.1pp | 31.72%-12.2pp |
| Employer contribution / active EE | $1,574 | $3,217-51.1% | $4,645-66.1% | $2,471-36.3% |
| Participant deferral / active EE | $3,755 | $5,681-33.9% | $6,842-45.1% | $3,740+0.4% |
| Admin fee / account holder | $868 | $6,053-85.7% | $9,309-90.7% | $5,306-83.6% |