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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 | $51,863 | $49,976+3.8% | $66,674-22.2% | $82,637-37.2% |
| Participation rate | 94.6% | 63.1%+31.5pp | 73.7%+21.0pp | 68.1%+26.6pp |
| Annual return | 19.97% | 39.09%-19.1pp | 321.24%-301.3pp | 53.51%-33.5pp |
| Employer contribution / active EE | $0 | $1,988-100.0% | $2,620-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $3,109 | $2,847+9.2% | $4,084-23.9% | $4,126-24.7% |
| Admin fee / account holder | $656 | $4,594-85.7% | $5,098-87.1% | $7,339-91.1% |