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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 | $73,632 | $43,075+70.9% | $74,577-1.3% | $62,881+17.1% |
| Participation rate | 83.9% | 58.1%+25.8pp | 68.1%+15.8pp | 69.3%+14.6pp |
| Annual return | 7.63% | 17.50%-9.9pp | 20.47%-12.8pp | 20.14%-12.5pp |
| Employer contribution / active EE | $0 | $1,498-100.0% | $2,525-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $5,198 | $2,389+117.5% | $3,458+50.3% | $3,203+62.3% |
| Admin fee / account holder | $893 | $2,840-68.6% | $4,138-78.4% | $4,296-79.2% |