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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 | $47,582 | $58,627-18.8% | $76,735-38.0% | $82,448-42.3% |
| Participation rate | 83.3% | 63.2%+20.1pp | 69.5%+13.8pp | 68.1%+15.3pp |
| Annual return | 14.96% | 39.10%-24.1pp | 29.77%-14.8pp | 41.64%-26.7pp |
| Employer contribution / active EE | $0 | $1,729-100.0% | $2,454-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $6,482 | $3,134+106.9% | $4,088+58.6% | $4,139+56.6% |
| Admin fee / account holder | $4,045 | $5,323-24.0% | $7,189-43.7% | $7,234-44.1% |