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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 | $124,267 | $176,786-29.7% | $146,643-15.3% | $167,536-25.8% |
| Participation rate | 90.9% | 83.6%+7.3pp | 80.1%+10.8pp | 82.1%+8.8pp |
| Annual return | 11.17% | 24.04%-12.9pp | 22.75%-11.6pp | 478.82%-467.6pp |
| Employer contribution / active EE | $0 | $5,161-100.0% | $4,137-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $4,603 | $6,440-28.5% | $5,506-16.4% | $6,342-27.4% |
| Admin fee / account holder | $5,682 | $13,262-57.2% | $10,280-44.7% | $12,315-53.9% |