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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 | $112,466 | $65,027+73.0% | $90,970+23.6% | $79,852+40.8% |
| Participation rate | 84.6% | 61.6%+23.0pp | 69.0%+15.6pp | 69.6%+15.0pp |
| Annual return | 13.94% | 30.45%-16.5pp | 134.58%-120.6pp | 31.72%-17.8pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $5,573 | $2,512+121.9% | $3,373+65.2% | $3,740+49.0% |
| Admin fee / account holder | $876 | $4,535-80.7% | $5,960-85.3% | $5,306-83.5% |