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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 | $25,294 | $77,920-67.5% | $149,723-83.1% | $75,177-66.4% |
| Participation rate | 93.8% | 65.6%+28.2pp | 78.8%+15.0pp | 67.2%+26.5pp |
| Annual return | 17.92% | 31.72%-13.8pp | 134.50%-116.6pp | 160.75%-142.8pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $4,866 | $3,411+42.6% | $5,682-14.4% | $4,126+17.9% |
| Admin fee / account holder | $3,636 | $5,951-38.9% | $13,215-72.5% | $5,651-35.7% |