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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 | $46,239 | $81,487-43.3% | $102,412-54.9% | $80,935-42.9% |
| Participation rate | 78.0% | 66.8%+11.2pp | 74.5%+3.5pp | 67.7%+10.4pp |
| Annual return | 10.78% | 25.60%-14.8pp | 24.94%-14.2pp | 35.66%-24.9pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $3,870-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,741 | $3,871-29.2% | $5,060-45.8% | $4,299-36.2% |
| Admin fee / account holder | $4,183 | $6,717-37.7% | $8,388-50.1% | $6,924-39.6% |