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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 | $35,993 | $78,425-54.1% | $95,956-62.5% | $79,858-54.9% |
| Participation rate | 85.3% | 73.5%+11.8pp | 77.1%+8.2pp | 69.6%+15.7pp |
| Annual return | 26.16% | 19.37%+6.8pp | 91.63%-65.5pp | 31.72%-5.6pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $10,648 | $3,440+209.5% | $4,167+155.6% | $3,740+184.7% |
| Admin fee / account holder | $3,012 | $5,622-46.4% | $6,797-55.7% | $5,306-43.2% |