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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 | $128,389 | $93,598+37.2% | $135,974-5.6% | $75,173+70.8% |
| Participation rate | 70.0% | 75.2%-5.2pp | 81.9%-11.9pp | 67.2%+2.8pp |
| Annual return | 16.71% | 30.89%-14.2pp | 68.30%-51.6pp | 160.72%-144.0pp |
| Employer contribution / active EE | $861 | $3,538-75.7% | $4,859-82.3% | $2,671-67.7% |
| Participant deferral / active EE | $7,734 | $6,405+20.7% | $7,760-0.3% | $4,126+87.4% |
| Admin fee / account holder | $624 | $6,978-91.1% | $10,767-94.2% | $5,651-89.0% |