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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 | $63,290 | $71,230-11.1% | $93,727-32.5% | $80,959-21.8% |
| Participation rate | 76.3% | 60.4%+15.9pp | 68.7%+7.6pp | 67.7%+8.6pp |
| Annual return | 12.45% | 11.26%+1.2pp | 133.83%-121.4pp | 35.67%-23.2pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,421-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,796 | $4,037-6.0% | $4,417-14.1% | $4,300-11.7% |
| Admin fee / account holder | $14,847 | $6,961+113.3% | $8,292+79.1% | $6,925+114.4% |