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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 | $50,913 | $60,352-15.6% | $74,185-31.4% | $62,881-19.0% |
| Participation rate | 70.0% | 72.7%-2.7pp | 76.6%-6.6pp | 69.3%+0.7pp |
| Annual return | 11.11% | 21.37%-10.3pp | 17.74%-6.6pp | 20.14%-9.0pp |
| Employer contribution / active EE | $0 | $1,680-100.0% | $2,370-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,384 | $2,856-16.5% | $3,550-32.8% | $3,203-25.6% |
| Admin fee / account holder | $5,083 | $4,261+19.3% | $5,586-9.0% | $4,296+18.3% |