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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 | $64,628 | $56,287+14.8% | $80,977-20.2% | $62,881+2.8% |
| Participation rate | 84.9% | 68.9%+15.9pp | 75.8%+9.1pp | 69.3%+15.6pp |
| Annual return | 9.78% | 22.13%-12.3pp | 17.11%-7.3pp | 20.14%-10.4pp |
| Employer contribution / active EE | $0 | $1,943-100.0% | $3,715-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $10,549 | $4,196+151.4% | $5,696+85.2% | $3,203+229.4% |
| Admin fee / account holder | $2,715 | $3,742-27.4% | $5,517-50.8% | $4,296-36.8% |