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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 | $49,270 | $117,904-58.2% | $102,457-51.9% | $145,978-66.2% |
| Participation rate | 94.4% | 78.6%+15.8pp | 76.5%+18.0pp | 80.3%+14.2pp |
| Annual return | 13.18% | 31.80%-18.6pp | 29.41%-16.2pp | 550.52%-537.3pp |
| Employer contribution / active EE | $0 | $3,613-100.0% | $3,022-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $4,382 | $5,733-23.6% | $5,054-13.3% | $6,690-34.5% |
| Admin fee / account holder | $3,635 | $13,329-72.7% | $9,451-61.5% | $13,400-72.9% |