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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 | $119,396 | $127,273-6.2% | $109,895+8.6% | $167,518-28.7% |
| Participation rate | 94.1% | 77.9%+16.2pp | 74.2%+19.9pp | 82.1%+12.0pp |
| Annual return | 13.60% | 22.97%-9.4pp | 29.46%-15.9pp | 478.71%-465.1pp |
| Employer contribution / active EE | $0 | $3,324-100.0% | $2,843-100.0% | $4,838-100.0% |
| Participant deferral / active EE | $3,871 | $4,515-14.3% | $4,049-4.4% | $6,342-39.0% |
| Admin fee / account holder | $3,187 | $7,117-55.2% | $6,067-47.5% | $12,312-74.1% |