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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 | $96,966 | $91,179+6.3% | $178,499-45.7% | $79,852+21.4% |
| Participation rate | 85.7% | 69.2%+16.5pp | 81.9%+3.8pp | 69.6%+16.1pp |
| Annual return | 15.61% | 24.19%-8.6pp | 151.10%-135.5pp | 31.72%-16.1pp |
| Employer contribution / active EE | $1,153 | $3,256-64.6% | $5,011-77.0% | $2,471-53.3% |
| Participant deferral / active EE | $3,056 | $3,236-5.6% | $5,202-41.3% | $3,740-18.3% |
| Admin fee / account holder | $1,254 | $6,749-81.4% | $13,986-91.0% | $5,306-76.4% |