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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 | $79,280 | $54,541+45.4% | $78,778+0.6% | $70,126+13.1% |
| Participation rate | 77.8% | 60.8%+17.0pp | 69.2%+8.6pp | 69.5%+8.2pp |
| Annual return | 16.14% | 21.07%-4.9pp | 35.62%-19.5pp | 73.15%-57.0pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,226 | $2,210+0.7% | $2,958-24.7% | $3,332-33.2% |
| Admin fee / account holder | $2,008 | $3,709-45.9% | $5,134-60.9% | $4,645-56.8% |