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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 | $62,283 | $76,834-18.9% | $108,359-42.5% | $87,485-28.8% |
| Participation rate | 75.0% | 61.7%+13.3pp | 70.1%+4.9pp | 68.9%+6.1pp |
| Annual return | 13.92% | 19.09%-5.2pp | 36.89%-23.0pp | 26.06%-12.1pp |
| Employer contribution / active EE | $0 | $1,556-100.0% | $2,399-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $3,961 | $3,100+27.8% | $4,137-4.3% | $4,274-7.3% |
| Admin fee / account holder | $610 | $6,537-90.7% | $9,741-93.7% | $7,775-92.2% |