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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 | $104,130 | $37,156+180.3% | $83,854+24.2% | $86,983+19.7% |
| Participation rate | 79.2% | 49.1%+30.1pp | 59.1%+20.1pp | 69.5%+9.6pp |
| Annual return | 14.27% | 29.88%-15.6pp | 31.39%-17.1pp | 25.83%-11.6pp |
| Employer contribution / active EE | $0 | $661-100.0% | $1,017-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $3,066 | $1,418+116.2% | $2,035+50.6% | $4,194-26.9% |
| Admin fee / account holder | $3,078 | $2,510+22.6% | $3,197-3.7% | $7,856-60.8% |