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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 | $91,214 | $77,817+17.2% | $123,553-26.2% | $64,173+42.1% |
| Participation rate | 75.8% | 74.7%+1.0pp | 82.3%-6.5pp | 69.6%+6.2pp |
| Annual return | 5.94% | 12.49%-6.5pp | 119.21%-113.3pp | 7.63%-1.7pp |
| Employer contribution / active EE | $1,188 | $3,014-60.6% | $4,628-74.3% | $2,381-50.1% |
| Participant deferral / active EE | $3,880 | $5,240-25.9% | $6,426-39.6% | $3,470+11.8% |
| Admin fee / account holder | $3,578 | $5,519-35.2% | $9,284-61.5% | $4,887-26.8% |