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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 | $68,370 | $98,766-30.8% | $149,730-54.3% | $79,852-14.4% |
| Participation rate | 89.2% | 75.8%+13.4pp | 82.5%+6.7pp | 69.6%+19.6pp |
| Annual return | 13.76% | 27.43%-13.7pp | 276.70%-262.9pp | 31.72%-18.0pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,645-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $5,724 | $5,681+0.8% | $6,843-16.4% | $3,740+53.0% |
| Admin fee / account holder | $5,590 | $6,052-7.6% | $9,310-40.0% | $5,306+5.3% |