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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 | $71,478 | $93,617-23.6% | $135,982-47.4% | $75,177-4.9% |
| Participation rate | 82.5% | 75.2%+7.3pp | 81.9%+0.6pp | 67.2%+15.3pp |
| Annual return | 18.77% | 30.89%-12.1pp | 68.32%-49.6pp | 160.75%-142.0pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $7,124 | $6,406+11.2% | $7,760-8.2% | $4,126+72.6% |
| Admin fee / account holder | $513 | $6,980-92.6% | $10,767-95.2% | $5,651-90.9% |