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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 | $90,254 | $124,336-27.4% | $111,303-18.9% | $167,518-46.1% |
| Participation rate | 78.9% | 79.6%-0.7pp | 77.3%+1.6pp | 82.1%-3.2pp |
| Annual return | 17.40% | 37.45%-20.0pp | 54.66%-37.3pp | 478.71%-461.3pp |
| Employer contribution / active EE | $1,501 | $3,436-56.3% | $2,731-45.0% | $4,838-69.0% |
| Participant deferral / active EE | $10,298 | $5,181+98.8% | $4,487+129.5% | $6,342+62.4% |
| Admin fee / account holder | $2,910 | $10,623-72.6% | $7,966-63.5% | $12,312-76.4% |