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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 | $89,482 | $110,212-18.8% | $96,534-7.3% | $139,466-35.8% |
| Participation rate | 100.0% | 78.1%+21.9pp | 76.0%+24.0pp | 80.3%+19.7pp |
| Annual return | 12.56% | 26.42%-13.9pp | 25.88%-13.3pp | 373.66%-361.1pp |
| Employer contribution / active EE | $0 | $3,620-100.0% | $2,965-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $7,241 | $5,547+30.5% | $4,851+49.3% | $6,712+7.9% |
| Admin fee / account holder | $1,951 | $11,599-83.2% | $8,253-76.4% | $11,409-82.9% |