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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 | $85,576 | $101,798-15.9% | $165,071-48.2% | $80,935+5.7% |
| Participation rate | 97.6% | 71.8%+25.7pp | 78.6%+18.9pp | 67.7%+29.9pp |
| Annual return | 14.46% | 16.73%-2.3pp | 70.17%-55.7pp | 35.66%-21.2pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,347-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $16,380 | $4,476+265.9% | $6,035+171.4% | $4,299+281.0% |
| Admin fee / account holder | $12,741 | $8,221+55.0% | $12,695+0.4% | $6,924+84.0% |