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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 | $38,020 | $86,949-56.3% | $102,460-62.9% | $80,959-53.0% |
| Participation rate | 93.2% | 72.4%+20.8pp | 76.5%+16.7pp | 67.7%+25.5pp |
| Annual return | 14.35% | 18.89%-4.5pp | 29.47%-15.1pp | 35.67%-21.3pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,025-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $9,487 | $4,121+130.2% | $5,056+87.6% | $4,300+120.6% |
| Admin fee / account holder | $1,735 | $8,048-78.4% | $9,460-81.7% | $6,925-75.0% |