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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 | $41,264 | $58,627-29.6% | $76,735-46.2% | $82,448-50.0% |
| Participation rate | 87.3% | 63.2%+24.1pp | 69.5%+17.8pp | 68.1%+19.2pp |
| Annual return | 17.34% | 39.10%-21.8pp | 29.77%-12.4pp | 41.64%-24.3pp |
| Employer contribution / active EE | $0 | $1,729-100.0% | $2,454-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,788 | $3,134+20.9% | $4,088-7.3% | $4,139-8.5% |
| Admin fee / account holder | $3,182 | $5,323-40.2% | $7,189-55.7% | $7,234-56.0% |