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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 | $86,938-49.9% | $102,423-57.5% | $80,925-46.2% |
| Participation rate | 89.2% | 72.4%+16.8pp | 76.5%+12.7pp | 67.7%+21.6pp |
| Annual return | 20.00% | 18.89%+1.1pp | 29.42%-9.4pp | 35.65%-15.6pp |
| Employer contribution / active EE | $0 | $2,369-100.0% | $3,023-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $11,377 | $4,120+176.1% | $5,054+125.1% | $4,299+164.7% |
| Admin fee / account holder | $1,939 | $8,053-75.9% | $9,455-79.5% | $6,940-72.1% |