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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 | $43,544 | $86,949-49.9% | $102,460-57.5% | $80,959-46.2% |
| Participation rate | 89.2% | 72.4%+16.8pp | 76.5%+12.7pp | 67.7%+21.6pp |
| Annual return | 20.00% | 18.89%+1.1pp | 29.47%-9.5pp | 35.67%-15.7pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,025-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $11,377 | $4,121+176.1% | $5,056+125.0% | $4,300+164.6% |
| Admin fee / account holder | $1,939 | $8,048-75.9% | $9,460-79.5% | $6,925-72.0% |