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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 | $97,041 | $55,713+74.2% | $75,901+27.9% | $72,975+33.0% |
| Participation rate | 74.1% | 61.1%+13.0pp | 69.3%+4.8pp | 69.5%+4.6pp |
| Annual return | 17.32% | 27.60%-10.3pp | 30.76%-13.4pp | 81.01%-63.7pp |
| Employer contribution / active EE | $0 | $1,687-100.0% | $2,501-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,425 | $2,634-45.9% | $3,603-60.4% | $3,608-60.5% |
| Admin fee / account holder | $1,279 | $3,980-67.9% | $5,420-76.4% | $5,124-75.0% |