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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 | $102,510 | $89,370+14.7% | $141,197-27.4% | $72,976+40.5% |
| Participation rate | 86.0% | 75.1%+10.9pp | 82.5%+3.6pp | 69.5%+16.6pp |
| Annual return | 24.25% | 111.88%-87.6pp | 71.41%-47.2pp | 81.02%-56.8pp |
| Employer contribution / active EE | $0 | $3,115-100.0% | $4,736-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $4,898 | $5,419-9.6% | $6,710-27.0% | $3,608+35.8% |
| Admin fee / account holder | $4,089 | $5,957-31.4% | $10,265-60.2% | $5,124-20.2% |