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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 | $96,206 | $111,787-13.9% | $93,681+2.7% | $145,978-34.1% |
| Participation rate | 76.2% | 74.2%+2.0pp | 68.7%+7.5pp | 80.3%-4.1pp |
| Annual return | 18.05% | 203.52%-185.5pp | 133.47%-115.4pp | 550.52%-532.5pp |
| Employer contribution / active EE | $1,173 | $3,093-62.1% | $2,422-51.6% | $4,662-74.8% |
| Participant deferral / active EE | $2,076 | $4,918-57.8% | $4,415-53.0% | $6,690-69.0% |
| Admin fee / account holder | $788 | $10,256-92.3% | $8,290-90.5% | $13,400-94.1% |