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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 | $111,381 | $110,137+1.1% | $161,149-30.9% | $82,637+34.8% |
| Participation rate | 95.7% | 72.4%+23.3pp | 78.8%+16.8pp | 68.1%+27.6pp |
| Annual return | 13.67% | 20.69%-7.0pp | 21.16%-7.5pp | 53.51%-39.8pp |
| Employer contribution / active EE | $0 | $2,856-100.0% | $4,360-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $7,602 | $4,575+66.2% | $6,153+23.5% | $4,126+84.2% |
| Admin fee / account holder | $11,715 | $9,467+23.7% | $15,194-22.9% | $7,339+59.6% |