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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 | $59,486 | $77,814-23.6% | $158,223-62.4% | $86,983-31.6% |
| Participation rate | 77.8% | 68.4%+9.4pp | 79.2%-1.4pp | 69.5%+8.2pp |
| Annual return | 14.53% | 30.54%-16.0pp | 52.09%-37.6pp | 25.83%-11.3pp |
| Employer contribution / active EE | $0 | $2,592-100.0% | $4,109-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $2,962 | $3,270-9.4% | $5,467-45.8% | $4,194-29.4% |
| Admin fee / account holder | $1,385 | $5,879-76.4% | $16,047-91.4% | $7,856-82.4% |