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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 | $119,510 | $141,004-15.2% | $112,273+6.4% | $139,466-14.3% |
| Participation rate | 93.8% | 79.2%+14.5pp | 72.4%+21.3pp | 80.3%+13.4pp |
| Annual return | 15.70% | 32.75%-17.1pp | 30.23%-14.5pp | 373.66%-358.0pp |
| Employer contribution / active EE | $1,178 | $4,285-72.5% | $3,431-65.7% | $4,754-75.2% |
| Participant deferral / active EE | $2,379 | $5,878-59.5% | $4,800-50.4% | $6,712-64.6% |
| Admin fee / account holder | $23,889 | $9,959+139.9% | $7,752+208.2% | $11,409+109.4% |