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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 | $137,652 | $117,895+16.8% | $102,460+34.3% | $145,897-5.7% |
| Participation rate | 70.0% | 78.6%-8.6pp | 76.5%-6.5pp | 80.3%-10.3pp |
| Annual return | 10.96% | 31.92%-21.0pp | 29.47%-18.5pp | 552.29%-541.3pp |
| Employer contribution / active EE | $1,585 | $3,619-56.2% | $3,025-47.6% | $4,663-66.0% |
| Participant deferral / active EE | $7,024 | $5,736+22.4% | $5,056+38.9% | $6,689+5.0% |
| Admin fee / account holder | $1,118 | $13,353-91.6% | $9,460-88.2% | $13,390-91.6% |