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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 | $87,368 | $98,240-11.1% | $82,312+6.1% | $147,586-40.8% |
| Participation rate | 75.0% | 79.7%-4.7pp | 76.9%-1.9pp | 82.8%-7.8pp |
| Annual return | 15.10% | 30.85%-15.8pp | 25.88%-10.8pp | 578.59%-563.5pp |
| Employer contribution / active EE | $1,889 | $3,192-40.8% | $2,428-22.2% | $4,876-61.3% |
| Participant deferral / active EE | $5,302 | $4,383+21.0% | $3,706+43.0% | $5,439-2.5% |
| Admin fee / account holder | $549 | $8,563-93.6% | $5,608-90.2% | $10,886-95.0% |