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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 | $94,502 | $84,236+12.2% | $170,435-44.6% | $70,126+34.8% |
| Participation rate | 82.8% | 70.8%+11.9pp | 83.6%-0.8pp | 69.5%+13.2pp |
| Annual return | 14.64% | 23.06%-8.4pp | 205.94%-191.3pp | 73.15%-58.5pp |
| Employer contribution / active EE | $1,987 | $3,387-41.3% | $5,432-63.4% | $2,343-15.2% |
| Participant deferral / active EE | $7,720 | $3,086+150.2% | $4,939+56.3% | $3,332+131.7% |
| Admin fee / account holder | $686 | $5,698-88.0% | $13,881-95.1% | $4,645-85.2% |