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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 | $64,004 | $106,749-40.0% | $145,433-56.0% | $82,448-22.4% |
| Participation rate | 80.9% | 75.6%+5.2pp | 82.1%-1.3pp | 68.1%+12.8pp |
| Annual return | 18.82% | 27.59%-8.8pp | 66.58%-47.8pp | 41.64%-22.8pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $4,360 | $6,519-33.1% | $7,897-44.8% | $4,139+5.3% |
| Admin fee / account holder | $2,316 | $8,390-72.4% | $13,129-82.4% | $7,234-68.0% |