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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 | $117,829-24.0% | $102,423-12.6% | $145,877-38.6% |
| Participation rate | 84.2% | 78.6%+5.6pp | 76.5%+7.7pp | 80.3%+3.9pp |
| Annual return | 10.85% | 31.83%-21.0pp | 29.42%-18.6pp | 551.28%-540.4pp |
| Employer contribution / active EE | $0 | $3,615-100.0% | $3,023-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $5,103 | $5,732-11.0% | $5,054+1.0% | $6,691-23.7% |
| Admin fee / account holder | $6,683 | $13,335-49.9% | $9,455-29.3% | $13,402-50.1% |