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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 | $50,332 | $98,240-48.8% | $82,313-38.9% | $147,585-65.9% |
| Participation rate | 88.9% | 79.7%+9.2pp | 76.9%+12.0pp | 82.8%+6.1pp |
| Annual return | 12.91% | 30.85%-17.9pp | 25.88%-13.0pp | 578.57%-565.7pp |
| Employer contribution / active EE | $0 | $3,192-100.0% | $2,428-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $2,482 | $4,383-43.4% | $3,706-33.0% | $5,439-54.4% |
| Admin fee / account holder | $4,174 | $8,563-51.3% | $5,608-25.6% | $10,885-61.7% |