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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 | $38,645 | $58,523-34.0% | $99,475-61.2% | $72,975-47.0% |
| Participation rate | 70.6% | 64.6%+6.0pp | 73.8%-3.2pp | 69.5%+1.1pp |
| Annual return | 22.81% | 28.51%-5.7pp | 30.72%-7.9pp | 81.01%-58.2pp |
| Employer contribution / active EE | $0 | $1,512-100.0% | $2,540-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,153 | $2,606-17.4% | $3,619-40.5% | $3,608-40.3% |
| Admin fee / account holder | $2,672 | $4,102-34.9% | $6,252-57.3% | $5,124-47.9% |