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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 | $31,440 | $73,988-57.5% | $96,538-67.4% | $75,177-58.2% |
| Participation rate | 73.9% | 66.4%+7.5pp | 74.3%-0.4pp | 67.2%+6.7pp |
| Annual return | 16.44% | 26.73%-10.3pp | 35.74%-19.3pp | 160.75%-144.3pp |
| Employer contribution / active EE | $0 | $2,930-100.0% | $3,740-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,969 | $3,660-18.9% | $4,880-39.2% | $4,126-28.0% |
| Admin fee / account holder | $5,158 | $5,220-1.2% | $6,737-23.4% | $5,651-8.7% |