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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 | $98,321 | $110,212-10.8% | $96,534+1.9% | $139,466-29.5% |
| Participation rate | 72.2% | 78.1%-5.9pp | 76.0%-3.8pp | 80.3%-8.1pp |
| Annual return | 14.25% | 26.42%-12.2pp | 25.88%-11.6pp | 373.66%-359.4pp |
| Employer contribution / active EE | $1,182 | $3,620-67.3% | $2,965-60.1% | $4,754-75.1% |
| Participant deferral / active EE | $2,067 | $5,547-62.7% | $4,851-57.4% | $6,712-69.2% |
| Admin fee / account holder | $3,494 | $11,599-69.9% | $8,253-57.7% | $11,409-69.4% |