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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 | $62,675 | $103,392-39.4% | $87,104-28.0% | $152,897-59.0% |
| Participation rate | 93.8% | 79.4%+14.4pp | 76.9%+16.9pp | 82.5%+11.3pp |
| Annual return | 19.30% | 28.10%-8.8pp | 28.19%-8.9pp | 345.43%-326.1pp |
| Employer contribution / active EE | $0 | $3,221-100.0% | $2,521-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $2,872 | $4,778-39.9% | $4,048-29.1% | $5,851-50.9% |
| Admin fee / account holder | $2,117 | $12,194-82.6% | $7,491-71.7% | $11,599-81.7% |