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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 | $116,140 | $103,392+12.3% | $87,104+33.3% | $152,897-24.0% |
| Participation rate | 70.0% | 79.4%-9.4pp | 76.9%-6.9pp | 82.5%-12.5pp |
| Annual return | 23.98% | 28.10%-4.1pp | 28.19%-4.2pp | 345.43%-321.4pp |
| Employer contribution / active EE | $1,812 | $3,221-43.7% | $2,521-28.1% | $4,764-62.0% |
| Participant deferral / active EE | $3,136 | $4,778-34.4% | $4,048-22.5% | $5,851-46.4% |
| Admin fee / account holder | $938 | $12,194-92.3% | $7,491-87.5% | $11,599-91.9% |