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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 | $87,231 | $76,371+14.2% | $93,621-6.8% | $72,976+19.5% |
| Participation rate | 96.4% | 71.8%+24.7pp | 75.8%+20.6pp | 69.5%+26.9pp |
| Annual return | 19.14% | 25.82%-6.7pp | 32.76%-13.6pp | 81.02%-61.9pp |
| Employer contribution / active EE | $1,607 | $2,276-29.4% | $2,719-40.9% | $2,440-34.1% |
| Participant deferral / active EE | $0 | $3,538-100.0% | $4,070-100.0% | $3,608-100.0% |
| Admin fee / account holder | $23,010 | $6,839+236.4% | $7,890+191.6% | $5,124+349.1% |