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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 | $50,176 | $57,119-12.2% | $85,187-41.1% | $80,935-38.0% |
| Participation rate | 74.0% | 56.4%+17.6pp | 67.5%+6.5pp | 67.7%+6.3pp |
| Annual return | 11.33% | 21.70%-10.4pp | 66.67%-55.3pp | 35.66%-24.3pp |
| Employer contribution / active EE | $0 | $1,802-100.0% | $2,732-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,058 | $3,115+30.3% | $4,525-10.3% | $4,299-5.6% |
| Admin fee / account holder | $883 | $4,990-82.3% | $6,162-85.7% | $6,924-87.2% |