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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 | $42,691 | $86,938-50.9% | $102,423-58.3% | $80,925-47.2% |
| Participation rate | 90.8% | 72.4%+18.4pp | 76.5%+14.3pp | 67.7%+23.1pp |
| Annual return | 18.36% | 18.89%-0.5pp | 29.42%-11.1pp | 35.65%-17.3pp |
| Employer contribution / active EE | $0 | $2,369-100.0% | $3,023-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $7,264 | $4,120+76.3% | $5,054+43.7% | $4,299+69.0% |
| Admin fee / account holder | $3,908 | $8,053-51.5% | $9,455-58.7% | $6,940-43.7% |