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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 | $20,525 | $106,247-80.7% | $96,515-78.7% | $139,466-85.3% |
| Participation rate | 88.9% | 77.8%+11.0pp | 74.3%+14.5pp | 80.3%+8.6pp |
| Annual return | 14.77% | 38.47%-23.7pp | 35.73%-21.0pp | 373.66%-358.9pp |
| Employer contribution / active EE | $0 | $4,106-100.0% | $3,740-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $5,446 | $5,456-0.2% | $4,880+11.6% | $6,712-18.9% |
| Admin fee / account holder | $657 | $7,885-91.7% | $6,735-90.2% | $11,409-94.2% |