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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 | $75,208 | $91,559-17.9% | $133,971-43.9% | $79,852-5.8% |
| Participation rate | 72.4% | 73.3%-0.9pp | 79.8%-7.4pp | 69.6%+2.8pp |
| Annual return | 12.83% | 61.85%-49.0pp | 45.09%-32.3pp | 31.72%-18.9pp |
| Employer contribution / active EE | $0 | $2,384-100.0% | $3,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,522 | $3,734-32.5% | $5,047-50.0% | $3,740-32.6% |
| Admin fee / account holder | $3,364 | $6,321-46.8% | $8,929-62.3% | $5,306-36.6% |