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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 | $38,897 | $78,425-50.4% | $95,956-59.5% | $79,858-51.3% |
| Participation rate | 88.4% | 73.5%+14.9pp | 77.1%+11.3pp | 69.6%+18.7pp |
| Annual return | 21.42% | 19.37%+2.1pp | 91.63%-70.2pp | 31.72%-10.3pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $12,584 | $3,440+265.8% | $4,167+202.0% | $3,740+236.5% |
| Admin fee / account holder | $6,654 | $5,622+18.4% | $6,797-2.1% | $5,306+25.4% |