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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 | $144,124 | $78,670+83.2% | $109,173+32.0% | $85,847+67.9% |
| Participation rate | 71.1% | 68.3%+2.8pp | 75.9%-4.8pp | 69.3%+1.7pp |
| Annual return | 17.56% | 25.09%-7.5pp | 25.75%-8.2pp | 318.61%-301.0pp |
| Employer contribution / active EE | $0 | $2,734-100.0% | $3,723-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $3,605 | $3,467+4.0% | $4,654-22.5% | $3,952-8.8% |
| Admin fee / account holder | $642 | $5,469-88.3% | $6,755-90.5% | $6,261-89.7% |