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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 | $75,408 | $77,460-2.6% | $100,378-24.9% | $80,925-6.8% |
| Participation rate | 78.3% | 76.9%+1.4pp | 81.5%-3.2pp | 67.7%+10.7pp |
| Annual return | 15.37% | 37.24%-21.9pp | 49.41%-34.0pp | 35.65%-20.3pp |
| Employer contribution / active EE | $0 | $2,801-100.0% | $3,942-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $13,034 | $6,818+91.2% | $8,087+61.2% | $4,299+203.2% |
| Admin fee / account holder | $6,380 | $5,887+8.4% | $7,899-19.2% | $6,940-8.1% |