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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 | $83,461 | $115,903-28.0% | $100,528-17.0% | $158,966-47.5% |
| Participation rate | 91.3% | 81.6%+9.7pp | 79.4%+11.9pp | 82.0%+9.3pp |
| Annual return | 12.09% | 34.80%-22.7pp | 30.90%-18.8pp | 302.95%-290.9pp |
| Employer contribution / active EE | $0 | $4,105-100.0% | $3,419-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $7,303 | $6,677+9.4% | $6,271+16.5% | $5,983+22.1% |
| Admin fee / account holder | $540 | $11,000-95.1% | $8,084-93.3% | $11,250-95.2% |