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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 | $96,686 | $77,908+24.1% | $149,696-35.4% | $75,173+28.6% |
| Participation rate | 91.1% | 65.6%+25.5pp | 78.8%+12.3pp | 67.2%+23.9pp |
| Annual return | 21.03% | 31.73%-10.7pp | 134.46%-113.4pp | 160.72%-139.7pp |
| Employer contribution / active EE | $1,074 | $3,138-65.8% | $4,821-77.7% | $2,671-59.8% |
| Participant deferral / active EE | $3,335 | $3,411-2.2% | $5,682-41.3% | $4,126-19.2% |
| Admin fee / account holder | $460 | $5,950-92.3% | $13,212-96.5% | $5,651-91.9% |