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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 | $74,747 | $99,875-25.2% | $146,866-49.1% | $86,983-14.1% |
| Participation rate | 87.6% | 75.8%+11.8pp | 82.5%+5.1pp | 69.5%+18.1pp |
| Annual return | 30.62% | 28.10%+2.5pp | 102.85%-72.2pp | 25.83%+4.8pp |
| Employer contribution / active EE | $0 | $3,224-100.0% | $4,425-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $8,964 | $6,322+41.8% | $7,759+15.5% | $4,194+113.7% |
| Admin fee / account holder | $6,302 | $7,838-19.6% | $13,620-53.7% | $7,856-19.8% |