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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 | $128,612 | $127,296+1.0% | $109,907+17.0% | $167,536-23.2% |
| Participation rate | 77.3% | 77.9%-0.6pp | 74.2%+3.0pp | 82.1%-4.8pp |
| Annual return | 19.26% | 22.97%-3.7pp | 29.46%-10.2pp | 478.82%-459.6pp |
| Employer contribution / active EE | $1,210 | $3,325-63.6% | $2,844-57.5% | $4,839-75.0% |
| Participant deferral / active EE | $2,843 | $4,513-37.0% | $4,047-29.7% | $6,342-55.2% |
| Admin fee / account holder | $5,323 | $7,119-25.2% | $6,069-12.3% | $12,315-56.8% |