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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 | $92,324 | $93,589-1.4% | $135,942-32.1% | $75,181+22.8% |
| Participation rate | 87.8% | 75.2%+12.6pp | 81.9%+5.9pp | 67.2%+20.6pp |
| Annual return | 18.62% | 30.90%-12.3pp | 68.28%-49.7pp | 160.69%-142.1pp |
| Employer contribution / active EE | $0 | $3,537-100.0% | $4,858-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $9,308 | $6,405+45.3% | $7,759+20.0% | $4,126+125.6% |
| Admin fee / account holder | $4,795 | $6,977-31.3% | $10,764-55.5% | $5,650-15.1% |