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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 | $84,551 | $106,749-20.8% | $145,433-41.9% | $82,448+2.6% |
| Participation rate | 80.4% | 75.6%+4.7pp | 82.1%-1.8pp | 68.1%+12.3pp |
| Annual return | 15.39% | 27.59%-12.2pp | 66.58%-51.2pp | 41.64%-26.2pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $6,685 | $6,519+2.5% | $7,897-15.4% | $4,139+61.5% |
| Admin fee / account holder | $8,744 | $8,390+4.2% | $13,129-33.4% | $7,234+20.9% |