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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 | $78,098 | $102,609-23.9% | $98,090-20.4% | $138,895-43.8% |
| Participation rate | 86.7% | 82.8%+3.9pp | 81.5%+5.1pp | 79.9%+6.7pp |
| Annual return | 12.91% | 36.44%-23.5pp | 37.05%-24.1pp | 145.39%-132.5pp |
| Employer contribution / active EE | $0 | $3,867-100.0% | $3,606-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $6,717 | $8,167-17.8% | $7,845-14.4% | $6,396+5.0% |
| Admin fee / account holder | $4,916 | $11,434-57.0% | $11,815-58.4% | $12,562-60.9% |