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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 | $34,065 | $96,558-64.7% | $80,977-57.9% | $273,972-87.6% |
| Participation rate | 89.5% | 79.1%+10.4pp | 75.8%+13.7pp | 83.0%+6.5pp |
| Annual return | 4.34% | 15.14%-10.8pp | 17.11%-12.8pp | 41.46%-37.1pp |
| Employer contribution / active EE | $0 | $4,869-100.0% | $3,715-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $5,238 | $6,598-20.6% | $5,696-8.0% | $5,287-0.9% |
| Admin fee / account holder | $1,526 | $7,493-79.6% | $5,517-72.3% | $10,133-84.9% |