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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 | $117,829+16.8% | $102,423+34.4% | $145,877-5.6% |
| Participation rate | 70.0% | 78.6%-8.6pp | 76.5%-6.5pp | 80.3%-10.3pp |
| Annual return | 10.96% | 31.83%-20.9pp | 29.42%-18.5pp | 551.28%-540.3pp |
| Employer contribution / active EE | $1,585 | $3,615-56.1% | $3,023-47.6% | $4,663-66.0% |
| Participant deferral / active EE | $7,024 | $5,732+22.5% | $5,054+39.0% | $6,691+5.0% |
| Admin fee / account holder | $1,118 | $13,335-91.6% | $9,455-88.2% | $13,402-91.7% |