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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 | $105,294 | $116,190-9.4% | $93,614+12.5% | $152,885-31.1% |
| Participation rate | 80.0% | 78.0%+2.0pp | 75.8%+4.2pp | 82.5%-2.5pp |
| Annual return | 19.12% | 35.96%-16.8pp | 32.76%-13.6pp | 345.39%-326.3pp |
| Employer contribution / active EE | $0 | $3,219-100.0% | $2,718-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $9,015 | $4,604+95.8% | $4,069+121.5% | $5,851+54.1% |
| Admin fee / account holder | $18,393 | $10,749+71.1% | $7,889+133.1% | $11,598+58.6% |