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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 | $83,849 | $93,589-10.4% | $135,942-38.3% | $75,181+11.5% |
| Participation rate | 87.0% | 75.2%+11.8pp | 81.9%+5.1pp | 67.2%+19.8pp |
| Annual return | 16.92% | 30.90%-14.0pp | 68.28%-51.4pp | 160.69%-143.8pp |
| Employer contribution / active EE | $0 | $3,537-100.0% | $4,858-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $3,751 | $6,405-41.4% | $7,759-51.7% | $4,126-9.1% |
| Admin fee / account holder | $1,170 | $6,977-83.2% | $10,764-89.1% | $5,650-79.3% |