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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 | $71,498 | $51,222+39.6% | $70,544+1.4% | $75,173-4.9% |
| Participation rate | 75.9% | 61.0%+14.9pp | 68.4%+7.5pp | 67.2%+8.7pp |
| Annual return | 13.62% | 30.06%-16.4pp | 32.79%-19.2pp | 160.72%-147.1pp |
| Employer contribution / active EE | $0 | $1,827-100.0% | $2,976-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $4,385 | $2,850+53.9% | $4,568-4.0% | $4,126+6.3% |
| Admin fee / account holder | $7,099 | $4,096+73.3% | $6,427+10.5% | $5,651+25.6% |