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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 | $56,649 | $57,073-0.7% | $85,126-33.5% | $80,925-30.0% |
| Participation rate | 100.0% | 56.4%+43.6pp | 67.5%+32.5pp | 67.7%+32.3pp |
| Annual return | 13.96% | 21.69%-7.7pp | 66.63%-52.7pp | 35.65%-21.7pp |
| Employer contribution / active EE | $0 | $1,801-100.0% | $2,731-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $6,302 | $3,113+102.4% | $4,523+39.3% | $4,299+46.6% |
| Admin fee / account holder | $7,730 | $4,988+55.0% | $6,160+25.5% | $6,940+11.4% |