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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 | $86,949-50.9% | $102,460-58.3% | $80,959-47.3% |
| Participation rate | 90.8% | 72.4%+18.4pp | 76.5%+14.3pp | 67.7%+23.1pp |
| Annual return | 18.36% | 18.89%-0.5pp | 29.47%-11.1pp | 35.67%-17.3pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,025-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $7,264 | $4,121+76.3% | $5,056+43.7% | $4,300+68.9% |
| Admin fee / account holder | $3,908 | $8,048-51.4% | $9,460-58.7% | $6,925-43.6% |