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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 | $89,562 | $117,895-24.0% | $102,460-12.6% | $145,897-38.6% |
| Participation rate | 84.2% | 78.6%+5.6pp | 76.5%+7.7pp | 80.3%+3.9pp |
| Annual return | 10.85% | 31.92%-21.1pp | 29.47%-18.6pp | 552.29%-541.4pp |
| Employer contribution / active EE | $0 | $3,619-100.0% | $3,025-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $5,103 | $5,736-11.0% | $5,056+0.9% | $6,689-23.7% |
| Admin fee / account holder | $6,683 | $13,353-49.9% | $9,460-29.4% | $13,390-50.1% |