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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 | $69,249 | $91,559-24.4% | $133,971-48.3% | $79,852-13.3% |
| Participation rate | 95.2% | 73.3%+21.9pp | 79.8%+15.4pp | 69.6%+25.6pp |
| Annual return | 17.06% | 61.85%-44.8pp | 45.09%-28.0pp | 31.72%-14.7pp |
| Employer contribution / active EE | $0 | $2,384-100.0% | $3,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,908 | $3,734+31.5% | $5,047-2.8% | $3,740+31.2% |
| Admin fee / account holder | $4,073 | $6,321-35.6% | $8,929-54.4% | $5,306-23.2% |