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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 | $128,381 | $89,367+43.7% | $141,191-9.1% | $72,975+75.9% |
| Participation rate | 89.3% | 75.1%+14.2pp | 82.5%+6.8pp | 69.5%+19.8pp |
| Annual return | 22.22% | 111.87%-89.6pp | 71.41%-49.2pp | 81.01%-58.8pp |
| Employer contribution / active EE | $1,456 | $3,115-53.2% | $4,736-69.3% | $2,440-40.3% |
| Participant deferral / active EE | $2,597 | $5,419-52.1% | $6,710-61.3% | $3,608-28.0% |
| Admin fee / account holder | $1,385 | $5,957-76.7% | $10,264-86.5% | $5,124-73.0% |