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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 | $102,042 | $72,404+40.9% | $110,243-7.4% | $64,173+59.0% |
| Participation rate | 78.1% | 73.3%+4.8pp | 79.8%-1.7pp | 69.6%+8.6pp |
| Annual return | 6.86% | -6.29%+13.1pp | 314.76%-307.9pp | 7.63%-0.8pp |
| Employer contribution / active EE | $1,533 | $2,282-32.8% | $3,827-59.9% | $2,381-35.6% |
| Participant deferral / active EE | $3,746 | $3,469+8.0% | $4,672-19.8% | $3,470+8.0% |
| Admin fee / account holder | $1,918 | $5,664-66.1% | $8,548-77.6% | $4,887-60.8% |