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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 | $84,288 | $49,976+68.7% | $66,674+26.4% | $82,637+2.0% |
| Participation rate | 84.0% | 63.1%+20.9pp | 73.7%+10.3pp | 68.1%+15.9pp |
| Annual return | 17.24% | 39.09%-21.9pp | 321.24%-304.0pp | 53.51%-36.3pp |
| Employer contribution / active EE | $0 | $1,988-100.0% | $2,620-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $3,545 | $2,847+24.5% | $4,084-13.2% | $4,126-14.1% |
| Admin fee / account holder | $348 | $4,594-92.4% | $5,098-93.2% | $7,339-95.3% |