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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 | $86,180 | $110,248-21.8% | $95,728-10.0% | $139,456-38.2% |
| Participation rate | 77.8% | 75.7%+2.0pp | 72.3%+5.5pp | 80.3%-2.5pp |
| Annual return | 18.77% | 27.16%-8.4pp | 28.40%-9.6pp | 373.45%-354.7pp |
| Employer contribution / active EE | $1,865 | $3,258-42.8% | $2,835-34.2% | $4,753-60.8% |
| Participant deferral / active EE | $4,654 | $4,675-0.5% | $4,245+9.7% | $6,711-30.6% |
| Admin fee / account holder | $1,153 | $6,607-82.5% | $5,673-79.7% | $11,407-89.9% |