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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 | $108,825+10.0% | $156,181-23.4% | $82,448+45.1% |
| Participation rate | 75.8% | 72.4%+3.4pp | 78.8%-3.1pp | 68.1%+7.7pp |
| Annual return | 19.39% | 20.59%-1.2pp | 64.87%-45.5pp | 41.64%-22.2pp |
| Employer contribution / active EE | $0 | $2,870-100.0% | $4,294-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $6,660 | $4,577+45.5% | $6,132+8.6% | $4,139+60.9% |
| Admin fee / account holder | $5,200 | $9,341-44.3% | $14,586-64.3% | $7,234-28.1% |