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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 | $35,252 | $79,894-55.9% | $135,792-74.0% | $82,637-57.3% |
| Participation rate | 91.5% | 63.0%+28.5pp | 72.6%+18.9pp | 68.1%+23.5pp |
| Annual return | 13.73% | 17.20%-3.5pp | 25.96%-12.2pp | 53.51%-39.8pp |
| Employer contribution / active EE | $0 | $2,165-100.0% | $3,496-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,251 | $3,194-29.5% | $4,759-52.7% | $4,126-45.4% |
| Admin fee / account holder | $984 | $6,434-84.7% | $12,266-92.0% | $7,339-86.6% |