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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 | $68,430 | $63,355+8.0% | $91,994-25.6% | $72,983-6.2% |
| Participation rate | 93.8% | 72.5%+21.2pp | 78.6%+15.1pp | 69.5%+24.3pp |
| Annual return | 20.92% | 35.35%-14.4pp | 69.03%-48.1pp | 81.01%-60.1pp |
| Employer contribution / active EE | $0 | $2,116-100.0% | $3,452-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $6,962 | $4,883+42.6% | $5,923+17.5% | $3,608+93.0% |
| Admin fee / account holder | $629 | $4,668-86.5% | $7,743-91.9% | $5,124-87.7% |