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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 | $108,635 | $108,882-0.2% | $96,754+12.3% | $154,746-29.8% |
| Participation rate | 87.5% | 75.1%+12.4pp | 70.3%+17.2pp | 80.7%+6.8pp |
| Annual return | 17.04% | 98.39%-81.4pp | 82.04%-65.0pp | 172.34%-155.3pp |
| Employer contribution / active EE | $0 | $3,018-100.0% | $2,679-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $7,894 | $5,323+48.3% | $4,758+65.9% | $6,730+17.3% |
| Admin fee / account holder | $336 | $10,200-96.7% | $8,905-96.2% | $14,365-97.7% |