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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 | $58,606 | $91,559-36.0% | $133,971-56.3% | $79,852-26.6% |
| Participation rate | 72.5% | 73.3%-0.9pp | 79.8%-7.4pp | 69.6%+2.8pp |
| Annual return | 21.45% | 61.85%-40.4pp | 45.09%-23.6pp | 31.72%-10.3pp |
| Employer contribution / active EE | $0 | $2,384-100.0% | $3,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $6,157 | $3,734+64.9% | $5,047+22.0% | $3,740+64.6% |
| Admin fee / account holder | $7,216 | $6,321+14.2% | $8,929-19.2% | $5,306+36.0% |