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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 | $188,405 | $73,955+154.8% | $96,520+95.2% | $75,181+150.6% |
| Participation rate | 86.2% | 66.4%+19.8pp | 74.3%+11.9pp | 67.2%+19.0pp |
| Annual return | 23.83% | 26.72%-2.9pp | 35.72%-11.9pp | 160.69%-136.9pp |
| Employer contribution / active EE | $0 | $2,930-100.0% | $3,739-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $6,652 | $3,659+81.8% | $4,879+36.3% | $4,126+61.2% |
| Admin fee / account holder | $2,069 | $5,217-60.3% | $6,733-69.3% | $5,650-63.4% |