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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 | $71,653 | $77,638-7.7% | $156,551-54.2% | $62,881+14.0% |
| Participation rate | 82.9% | 71.2%+11.7pp | 84.0%-1.1pp | 69.3%+13.6pp |
| Annual return | 8.00% | 50.33%-42.3pp | 32.23%-24.2pp | 20.14%-12.1pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $5,501-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $4,474 | $3,046+46.9% | $4,871-8.1% | $3,203+39.7% |
| Admin fee / account holder | $4,656 | $5,561-16.3% | $13,028-64.3% | $4,296+8.4% |