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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 | $112,290 | $81,358+38.0% | $155,556-27.8% | $80,959+38.7% |
| Participation rate | 77.4% | 66.3%+11.2pp | 78.2%-0.8pp | 67.7%+9.8pp |
| Annual return | 13.80% | 33.39%-19.6pp | 64.84%-51.0pp | 35.67%-21.9pp |
| Employer contribution / active EE | $0 | $3,106-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $6,182 | $3,455+78.9% | $5,631+9.8% | $4,300+43.8% |
| Admin fee / account holder | $729 | $7,994-90.9% | $15,885-95.4% | $6,925-89.5% |