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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 | $96,406 | $101,950-5.4% | $125,529-23.2% | $86,983+10.8% |
| Participation rate | 85.7% | 70.2%+15.6pp | 74.7%+11.0pp | 69.5%+16.2pp |
| Annual return | 14.69% | 18.29%-3.6pp | 202.56%-187.9pp | 25.83%-11.1pp |
| Employer contribution / active EE | $784 | $2,358-66.7% | $3,058-74.4% | $2,584-69.7% |
| Participant deferral / active EE | $4,850 | $3,862+25.6% | $4,813+0.8% | $4,194+15.7% |
| Admin fee / account holder | $6,245 | $12,791-51.2% | $16,298-61.7% | $7,856-20.5% |