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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 | $154,728 | $78,690+96.6% | $161,489-4.2% | $87,485+76.9% |
| Participation rate | 72.7% | 67.5%+5.3pp | 78.7%-6.0pp | 68.9%+3.8pp |
| Annual return | 15.02% | 32.74%-17.7pp | 89.72%-74.7pp | 26.06%-11.0pp |
| Employer contribution / active EE | $1,869 | $2,588-27.8% | $4,268-56.2% | $2,596-28.0% |
| Participant deferral / active EE | $3,700 | $3,311+11.8% | $5,630-34.3% | $4,274-13.4% |
| Admin fee / account holder | $9,198 | $6,724+36.8% | $16,006-42.5% | $7,775+18.3% |