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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 | $59,105 | $93,598-36.9% | $135,974-56.5% | $75,173-21.4% |
| Participation rate | 74.7% | 75.2%-0.5pp | 81.9%-7.2pp | 67.2%+7.5pp |
| Annual return | 19.60% | 30.89%-11.3pp | 68.30%-48.7pp | 160.72%-141.1pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $11,788 | $6,405+84.0% | $7,760+51.9% | $4,126+185.7% |
| Admin fee / account holder | $4,284 | $6,978-38.6% | $10,767-60.2% | $5,651-24.2% |