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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 | $106,864-40.1% | $147,318-56.6% | $82,637-22.5% |
| Participation rate | 80.9% | 75.5%+5.3pp | 82.1%-1.2pp | 68.1%+12.8pp |
| Annual return | 18.82% | 27.49%-8.7pp | 70.43%-51.6pp | 53.51%-34.7pp |
| Employer contribution / active EE | $0 | $3,417-100.0% | $4,593-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $4,360 | $6,496-32.9% | $7,906-44.9% | $4,126+5.7% |
| Admin fee / account holder | $2,316 | $8,415-72.5% | $13,708-83.1% | $7,339-68.4% |