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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 | $60,693 | $63,355-4.2% | $91,994-34.0% | $72,983-16.8% |
| Participation rate | 94.5% | 72.5%+22.0pp | 78.6%+15.9pp | 69.5%+25.1pp |
| Annual return | 23.12% | 35.35%-12.2pp | 69.03%-45.9pp | 81.01%-57.9pp |
| Employer contribution / active EE | $0 | $2,116-100.0% | $3,452-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $8,490 | $4,883+73.9% | $5,923+43.3% | $3,608+135.4% |
| Admin fee / account holder | $2,865 | $4,668-38.6% | $7,743-63.0% | $5,124-44.1% |