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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 | $117,859-24.0% | $102,438-12.6% | $145,959-38.6% |
| Participation rate | 84.2% | 78.6%+5.6pp | 76.5%+7.7pp | 80.3%+3.9pp |
| Annual return | 10.85% | 31.72%-20.9pp | 29.37%-18.5pp | 561.95%-551.1pp |
| Employer contribution / active EE | $0 | $3,615-100.0% | $3,024-100.0% | $4,661-100.0% |
| Participant deferral / active EE | $5,103 | $5,732-11.0% | $5,054+1.0% | $6,689-23.7% |
| Admin fee / account holder | $6,683 | $13,318-49.8% | $9,448-29.3% | $13,398-50.1% |