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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 | $127,705 | $110,137+16.0% | $161,149-20.8% | $82,637+54.5% |
| Participation rate | 92.9% | 72.4%+20.5pp | 78.8%+14.0pp | 68.1%+24.8pp |
| Annual return | 15.84% | 20.69%-4.8pp | 21.16%-5.3pp | 53.51%-37.7pp |
| Employer contribution / active EE | $0 | $2,856-100.0% | $4,360-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $6,348 | $4,575+38.8% | $6,153+3.2% | $4,126+53.9% |
| Admin fee / account holder | $862 | $9,467-90.9% | $15,194-94.3% | $7,339-88.3% |