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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 | $60,273 | $55,684+8.2% | $75,900-20.6% | $72,976-17.4% |
| Participation rate | 83.3% | 61.1%+22.2pp | 69.3%+14.0pp | 69.5%+13.8pp |
| Annual return | 17.94% | 27.60%-9.7pp | 30.73%-12.8pp | 81.02%-63.1pp |
| Employer contribution / active EE | $0 | $1,687-100.0% | $2,501-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $4,000 | $2,634+51.9% | $3,604+11.0% | $3,608+10.9% |
| Admin fee / account holder | $2,058 | $3,981-48.3% | $5,421-62.0% | $5,124-59.8% |