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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 | $76,569 | $94,031-18.6% | $115,768-33.9% | $82,448-7.1% |
| Participation rate | 89.3% | 70.4%+18.9pp | 74.4%+14.9pp | 68.1%+21.2pp |
| Annual return | 25.25% | 20.61%+4.6pp | 100.46%-75.2pp | 41.64%-16.4pp |
| Employer contribution / active EE | $0 | $2,323-100.0% | $2,940-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $4,206 | $3,972+5.9% | $4,917-14.5% | $4,139+1.6% |
| Admin fee / account holder | $11,248 | $10,249+9.7% | $12,439-9.6% | $7,234+55.5% |