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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 | $77,574-19.7% | $108,753-42.7% | $86,983-28.4% |
| Participation rate | 75.0% | 62.3%+12.7pp | 71.1%+3.9pp | 69.5%+5.5pp |
| Annual return | 13.92% | 18.42%-4.5pp | 37.47%-23.6pp | 25.83%-11.9pp |
| Employer contribution / active EE | $0 | $1,611-100.0% | $2,427-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $3,961 | $3,128+26.6% | $4,115-3.7% | $4,194-5.6% |
| Admin fee / account holder | $610 | $6,529-90.7% | $10,320-94.1% | $7,856-92.2% |