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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 | $47,390 | $54,763-13.5% | $90,324-47.5% | $72,976-35.1% |
| Participation rate | 87.2% | 65.2%+22.0pp | 73.3%+13.9pp | 69.5%+17.7pp |
| Annual return | 23.07% | 30.63%-7.6pp | 78.15%-55.1pp | 81.02%-57.9pp |
| Employer contribution / active EE | $0 | $2,093-100.0% | $2,856-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $8,527 | $2,887+195.3% | $3,885+119.5% | $3,608+136.4% |
| Admin fee / account holder | $1,278 | $3,973-67.8% | $5,356-76.1% | $5,124-75.1% |