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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 | $139,220 | $65,395+112.9% | $182,558-23.7% | $72,976+90.8% |
| Participation rate | 70.0% | 65.4%+4.6pp | 78.0%-8.0pp | 69.5%+0.5pp |
| Annual return | 19.07% | 27.68%-8.6pp | 148.59%-129.5pp | 81.02%-61.9pp |
| Employer contribution / active EE | $1,869 | $1,911-2.2% | $4,076-54.2% | $2,440-23.4% |
| Participant deferral / active EE | $2,711 | $3,563-23.9% | $5,526-50.9% | $3,608-24.9% |
| Admin fee / account holder | $1,061 | $4,245-75.0% | $8,594-87.7% | $5,124-79.3% |