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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 | $128,187 | $98,776+29.8% | $149,745-14.4% | $79,856+60.5% |
| Participation rate | 73.5% | 75.8%-2.3pp | 82.5%-9.0pp | 69.6%+3.9pp |
| Annual return | 16.85% | 27.38%-10.5pp | 276.72%-259.9pp | 31.71%-14.9pp |
| Employer contribution / active EE | $2,485 | $3,217-22.8% | $4,646-46.5% | $2,471+0.5% |
| Participant deferral / active EE | $10,066 | $5,681+77.2% | $6,843+47.1% | $3,741+169.1% |
| Admin fee / account holder | $7,476 | $6,053+23.5% | $9,312-19.7% | $5,306+40.9% |