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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 | $119,673 | $114,712+4.3% | $173,730-31.1% | $87,485+36.8% |
| Participation rate | 75.8% | 73.0%+2.8pp | 79.6%-3.8pp | 68.9%+6.8pp |
| Annual return | 19.39% | 20.18%-0.8pp | 19.96%-0.6pp | 26.06%-6.7pp |
| Employer contribution / active EE | $0 | $2,904-100.0% | $4,577-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $6,660 | $4,642+43.5% | $6,326+5.3% | $4,274+55.9% |
| Admin fee / account holder | $5,200 | $10,210-49.1% | $17,523-70.3% | $7,775-33.1% |