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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 | $60,365 | $81,262-25.7% | $155,602-61.2% | $80,911-25.4% |
| Participation rate | 92.6% | 66.2%+26.4pp | 78.2%+14.4pp | 67.6%+24.9pp |
| Annual return | 29.42% | 33.34%-3.9pp | 64.81%-35.4pp | 35.63%-6.2pp |
| Employer contribution / active EE | $2,782 | $3,102-10.3% | $4,675-40.5% | $2,756+1.0% |
| Participant deferral / active EE | $0 | $3,451-100.0% | $5,629-100.0% | $4,297-100.0% |
| Admin fee / account holder | $2,604 | $7,992-67.4% | $15,923-83.6% | $6,935-62.4% |