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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 | $54,364 | $63,365-14.2% | $91,994-40.9% | $72,976-25.5% |
| Participation rate | 87.9% | 72.5%+15.4pp | 78.6%+9.2pp | 69.5%+18.4pp |
| Annual return | 21.26% | 35.35%-14.1pp | 69.04%-47.8pp | 81.02%-59.8pp |
| Employer contribution / active EE | $0 | $2,116-100.0% | $3,453-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $9,595 | $4,883+96.5% | $5,924+62.0% | $3,608+166.0% |
| Admin fee / account holder | $9,746 | $4,670+108.7% | $7,744+25.9% | $5,124+90.2% |