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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 | $114,966 | $69,590+65.2% | $136,867-16.0% | $94,015+22.3% |
| Participation rate | 86.2% | 66.3%+19.9pp | 74.5%+11.7pp | 70.8%+15.4pp |
| Annual return | 11.36% | 19.62%-8.3pp | 42.97%-31.6pp | 17.84%-6.5pp |
| Employer contribution / active EE | $0 | $2,396-100.0% | $3,547-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $5,869 | $3,437+70.8% | $4,924+19.2% | $4,249+38.1% |
| Admin fee / account holder | $2,690 | $8,912-69.8% | $10,340-74.0% | $8,951-69.9% |