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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 | $117,356 | $98,766+18.8% | $149,730-21.6% | $79,852+47.0% |
| Participation rate | 73.1% | 75.8%-2.7pp | 82.5%-9.4pp | 69.6%+3.4pp |
| Annual return | 18.14% | 27.43%-9.3pp | 276.70%-258.6pp | 31.72%-13.6pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,645-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $9,472 | $5,681+66.7% | $6,843+38.4% | $3,740+153.2% |
| Admin fee / account holder | $2,400 | $6,052-60.3% | $9,310-74.2% | $5,306-54.8% |