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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 | $75,861 | $64,729+17.2% | $112,263-32.4% | $68,490+10.8% |
| Participation rate | 96.2% | 67.2%+29.0pp | 75.1%+21.1pp | 67.9%+28.3pp |
| Annual return | 13.92% | -11.40%+25.3pp | 27.49%-13.6pp | -7.85%+21.8pp |
| Employer contribution / active EE | $0 | $2,746-100.0% | $3,636-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $9,518 | $3,566+166.9% | $4,729+101.3% | $4,028+136.3% |
| Admin fee / account holder | $3,464 | $5,222-33.7% | $6,410-46.0% | $5,403-35.9% |