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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 | $29,982 | $86,938-65.5% | $102,423-70.7% | $80,925-63.0% |
| Participation rate | 96.4% | 72.4%+24.0pp | 76.5%+19.9pp | 67.7%+28.8pp |
| Annual return | 13.15% | 18.89%-5.7pp | 29.42%-16.3pp | 35.65%-22.5pp |
| Employer contribution / active EE | $0 | $2,369-100.0% | $3,023-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $9,079 | $4,120+120.3% | $5,054+79.6% | $4,299+111.2% |
| Admin fee / account holder | $6,211 | $8,053-22.9% | $9,455-34.3% | $6,940-10.5% |