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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 | $77,100 | $110,212-30.0% | $96,534-20.1% | $139,466-44.7% |
| Participation rate | 85.7% | 78.1%+7.6pp | 76.0%+9.7pp | 80.3%+5.4pp |
| Annual return | 15.28% | 26.42%-11.1pp | 25.88%-10.6pp | 373.66%-358.4pp |
| Employer contribution / active EE | $0 | $3,620-100.0% | $2,965-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $3,496 | $5,547-37.0% | $4,851-27.9% | $6,712-47.9% |
| Admin fee / account holder | $592 | $11,599-94.9% | $8,253-92.8% | $11,409-94.8% |