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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 | $29,345 | $54,763-46.4% | $90,324-67.5% | $72,976-59.8% |
| Participation rate | 90.9% | 65.2%+25.8pp | 73.3%+17.6pp | 69.5%+21.4pp |
| Annual return | 29.15% | 30.63%-1.5pp | 78.15%-49.0pp | 81.02%-51.9pp |
| Employer contribution / active EE | $0 | $2,093-100.0% | $2,856-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,257 | $2,887-21.8% | $3,885-41.9% | $3,608-37.4% |
| Admin fee / account holder | $1,051 | $3,973-73.6% | $5,356-80.4% | $5,124-79.5% |