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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 | $106,524-20.6% | $152,301-44.5% | $87,485-3.4% |
| Participation rate | 80.4% | 75.8%+4.6pp | 82.4%-2.1pp | 68.9%+11.4pp |
| Annual return | 15.39% | 26.89%-11.5pp | 80.50%-65.1pp | 26.06%-10.7pp |
| Employer contribution / active EE | $0 | $3,371-100.0% | $4,624-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $6,685 | $6,525+2.4% | $8,004-16.5% | $4,274+56.4% |
| Admin fee / account holder | $8,744 | $8,287+5.5% | $14,398-39.3% | $7,775+12.5% |