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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 | $35,663 | $58,493-39.0% | $84,023-57.6% | $72,976-51.1% |
| Participation rate | 82.4% | 61.2%+21.1pp | 69.0%+13.3pp | 69.5%+12.9pp |
| Annual return | 21.93% | 28.93%-7.0pp | 71.32%-49.4pp | 81.02%-59.1pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $1,984-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,991 | $2,394-16.8% | $3,239-38.5% | $3,608-44.8% |
| Admin fee / account holder | $715 | $4,569-84.3% | $6,102-88.3% | $5,124-86.0% |