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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 | $73,222 | $83,908-12.7% | $68,509+6.9% | $125,389-41.6% |
| Participation rate | 78.6% | 78.2%+0.4pp | 74.7%+3.8pp | 83.2%-4.6pp |
| Annual return | 1.21% | 14.48%-13.3pp | 8.27%-7.1pp | 282.24%-281.0pp |
| Employer contribution / active EE | $0 | $3,031-100.0% | $2,278-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $2,963 | $4,125-28.2% | $3,382-12.4% | $5,352-44.6% |
| Admin fee / account holder | $3,354 | $8,982-62.7% | $5,275-36.4% | $9,541-64.8% |