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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 | $79,975 | $77,901+2.7% | $149,717-46.6% | $75,181+6.4% |
| Participation rate | 76.0% | 65.6%+10.4pp | 78.8%-2.8pp | 67.2%+8.8pp |
| Annual return | 15.64% | 31.73%-16.1pp | 134.41%-118.8pp | 160.69%-145.0pp |
| Employer contribution / active EE | $1,119 | $3,137-64.3% | $4,820-76.8% | $2,671-58.1% |
| Participant deferral / active EE | $4,098 | $3,411+20.1% | $5,682-27.9% | $4,126-0.7% |
| Admin fee / account holder | $865 | $5,949-85.5% | $13,213-93.5% | $5,650-84.7% |