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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 | $41,092 | $75,807-45.8% | $116,096-64.6% | $86,983-52.8% |
| Participation rate | 88.4% | 66.9%+21.5pp | 73.3%+15.1pp | 69.5%+18.8pp |
| Annual return | 14.12% | 18.57%-4.4pp | 326.25%-312.1pp | 25.83%-11.7pp |
| Employer contribution / active EE | $0 | $1,892-100.0% | $2,503-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $2,787 | $3,212-13.2% | $3,952-29.5% | $4,194-33.5% |
| Admin fee / account holder | $7,796 | $6,659+17.1% | $7,704+1.2% | $7,856-0.8% |