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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 | $37,515 | $43,075-12.9% | $74,577-49.7% | $62,881-40.3% |
| Participation rate | 75.8% | 58.1%+17.7pp | 68.1%+7.6pp | 69.3%+6.5pp |
| Annual return | 10.01% | 17.50%-7.5pp | 20.47%-10.5pp | 20.14%-10.1pp |
| Employer contribution / active EE | $0 | $1,498-100.0% | $2,525-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $5,201 | $2,389+117.7% | $3,458+50.4% | $3,203+62.4% |
| Admin fee / account holder | $1,257 | $2,840-55.7% | $4,138-69.6% | $4,296-70.7% |