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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 | $29,943 | $86,940-65.6% | $102,434-70.8% | $80,935-63.0% |
| Participation rate | 70.3% | 72.4%-2.1pp | 76.5%-6.2pp | 67.7%+2.6pp |
| Annual return | 14.40% | 18.89%-4.5pp | 29.46%-15.1pp | 35.66%-21.3pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,023-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,628 | $4,121-36.2% | $5,055-48.0% | $4,299-38.9% |
| Admin fee / account holder | $444 | $8,047-94.5% | $9,462-95.3% | $6,924-93.6% |