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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 | $46,401 | $93,589-50.4% | $135,942-65.9% | $75,181-38.3% |
| Participation rate | 92.9% | 75.2%+17.7pp | 81.9%+10.9pp | 67.2%+25.7pp |
| Annual return | 17.55% | 30.90%-13.4pp | 68.28%-50.7pp | 160.69%-143.1pp |
| Employer contribution / active EE | $0 | $3,537-100.0% | $4,858-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $6,947 | $6,405+8.5% | $7,759-10.5% | $4,126+68.4% |
| Admin fee / account holder | $4,398 | $6,977-37.0% | $10,764-59.1% | $5,650-22.2% |