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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 | $100,982 | $94,031+7.4% | $115,768-12.8% | $82,448+22.5% |
| Participation rate | 78.6% | 70.4%+8.2pp | 74.4%+4.2pp | 68.1%+10.5pp |
| Annual return | 12.35% | 20.61%-8.3pp | 100.46%-88.1pp | 41.64%-29.3pp |
| Employer contribution / active EE | $0 | $2,323-100.0% | $2,940-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $6,822 | $3,972+71.8% | $4,917+38.8% | $4,139+64.8% |
| Admin fee / account holder | $12,538 | $10,249+22.3% | $12,439+0.8% | $7,234+73.3% |