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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 | $109,781 | $154,209-28.8% | $130,062-15.6% | $139,487-21.3% |
| Participation rate | 80.0% | 82.0%-2.0pp | 78.5%+1.5pp | 80.3%-0.3pp |
| Annual return | 14.98% | 32.52%-17.5pp | -137.37%+152.3pp | 373.84%-358.9pp |
| Employer contribution / active EE | $1,174 | $5,292-77.8% | $4,322-72.8% | $4,755-75.3% |
| Participant deferral / active EE | $5,269 | $6,709-21.5% | $5,821-9.5% | $6,713-21.5% |
| Admin fee / account holder | $31,757 | $13,988+127.0% | $10,601+199.6% | $11,407+178.4% |