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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 | $67,675 | $77,472-12.6% | $100,415-32.6% | $80,959-16.4% |
| Participation rate | 84.8% | 76.9%+7.9pp | 81.5%+3.3pp | 67.7%+17.2pp |
| Annual return | 16.33% | 37.26%-20.9pp | 49.47%-33.1pp | 35.67%-19.3pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,943-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,550 | $6,818-47.9% | $8,091-56.1% | $4,300-17.4% |
| Admin fee / account holder | $6,243 | $5,885+6.1% | $7,906-21.0% | $6,925-9.9% |