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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 | $59,892 | $77,358-22.6% | $102,184-41.4% | $87,485-31.5% |
| Participation rate | 82.1% | 78.7%+3.5pp | 82.6%-0.5pp | 68.9%+13.2pp |
| Annual return | 17.55% | 41.11%-23.6pp | 31.58%-14.0pp | 26.06%-8.5pp |
| Employer contribution / active EE | $0 | $2,562-100.0% | $3,594-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $6,958 | $6,753+3.0% | $8,309-16.3% | $4,274+62.8% |
| Admin fee / account holder | $2,091 | $6,809-69.3% | $11,609-82.0% | $7,775-73.1% |