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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 | $101,648 | $103,387-1.7% | $87,102+16.7% | $152,885-33.5% |
| Participation rate | 86.7% | 79.4%+7.3pp | 76.9%+9.8pp | 82.5%+4.2pp |
| Annual return | 13.82% | 28.10%-14.3pp | 28.19%-14.4pp | 345.39%-331.6pp |
| Employer contribution / active EE | $0 | $3,221-100.0% | $2,521-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $6,593 | $4,778+38.0% | $4,048+62.8% | $5,851+12.7% |
| Admin fee / account holder | $12,243 | $12,193+0.4% | $7,491+63.4% | $11,598+5.6% |