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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 | $21,667 | $126,661-82.9% | $113,397-80.9% | $138,895-84.4% |
| Participation rate | 83.3% | 79.4%+3.9pp | 76.5%+6.8pp | 79.9%+3.4pp |
| Annual return | 16.35% | 25.05%-8.7pp | 23.20%-6.8pp | 145.39%-129.0pp |
| Employer contribution / active EE | $0 | $3,456-100.0% | $2,977-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $7,096 | $5,693+24.7% | $5,076+39.8% | $6,396+10.9% |
| Admin fee / account holder | $865 | $14,549-94.1% | $11,957-92.8% | $12,562-93.1% |