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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 | $137,841 | $98,776+39.5% | $149,745-7.9% | $79,856+72.6% |
| Participation rate | 73.7% | 75.8%-2.1pp | 82.5%-8.8pp | 69.6%+4.0pp |
| Annual return | 14.92% | 27.38%-12.5pp | 276.72%-261.8pp | 31.71%-16.8pp |
| Employer contribution / active EE | $1,234 | $3,217-61.6% | $4,646-73.4% | $2,471-50.1% |
| Participant deferral / active EE | $7,367 | $5,681+29.7% | $6,843+7.7% | $3,741+96.9% |
| Admin fee / account holder | $4,839 | $6,053-20.0% | $9,312-48.0% | $5,306-8.8% |