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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 | $124,838 | $101,063+23.5% | $81,473+53.2% | $147,586-15.4% |
| Participation rate | 71.4% | 74.5%-3.0pp | 68.0%+3.5pp | 82.8%-11.4pp |
| Annual return | 23.91% | 32.41%-8.5pp | 38.78%-14.9pp | 578.59%-554.7pp |
| Employer contribution / active EE | $1,003 | $3,206-68.7% | $2,568-61.0% | $4,876-79.4% |
| Participant deferral / active EE | $2,489 | $4,242-41.3% | $3,537-29.6% | $5,439-54.2% |
| Admin fee / account holder | $7,545 | $5,812+29.8% | $4,561+65.4% | $10,886-30.7% |