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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 | $165,703 | $98,760+67.8% | $149,715+10.7% | $79,858+107.5% |
| Participation rate | 75.5% | 75.8%-0.3pp | 82.5%-7.0pp | 69.6%+5.8pp |
| Annual return | 14.34% | 27.43%-13.1pp | 276.66%-262.3pp | 31.72%-17.4pp |
| Employer contribution / active EE | $620 | $3,217-80.7% | $4,645-86.6% | $2,471-74.9% |
| Participant deferral / active EE | $5,230 | $5,681-7.9% | $6,842-23.6% | $3,740+39.8% |
| Admin fee / account holder | $3,568 | $6,053-41.1% | $9,310-61.7% | $5,306-32.8% |