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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 | $108,849 | $115,917-6.1% | $100,535+8.3% | $158,982-31.5% |
| Participation rate | 75.0% | 81.6%-6.6pp | 79.4%-4.4pp | 82.0%-7.0pp |
| Annual return | 16.43% | 34.80%-18.4pp | 30.90%-14.5pp | 302.99%-286.6pp |
| Employer contribution / active EE | $1,961 | $4,105-52.2% | $3,419-42.6% | $4,763-58.8% |
| Participant deferral / active EE | $8,105 | $6,677+21.4% | $6,271+29.2% | $5,983+35.5% |
| Admin fee / account holder | $2,518 | $11,002-77.1% | $8,085-68.9% | $11,252-77.6% |