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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 | $44,962 | $93,598-52.0% | $135,974-66.9% | $75,173-40.2% |
| Participation rate | 77.2% | 75.2%+2.0pp | 81.9%-4.7pp | 67.2%+10.0pp |
| Annual return | 21.61% | 30.89%-9.3pp | 68.30%-46.7pp | 160.72%-139.1pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $8,067 | $6,405+25.9% | $7,760+4.0% | $4,126+95.5% |
| Admin fee / account holder | $363 | $6,978-94.8% | $10,767-96.6% | $5,651-93.6% |