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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 | $15,774 | $45,152-65.1% | $73,835-78.6% | $59,633-73.5% |
| Participation rate | 83.7% | 64.0%+19.7pp | 73.4%+10.2pp | 68.7%+15.0pp |
| Annual return | 1.62% | 27.40%-25.8pp | 2268.13%-2266.5pp | 2041.40%-2039.8pp |
| Employer contribution / active EE | $1,902 | $1,9010% | $2,788-31.8% | $2,203-13.6% |
| Participant deferral / active EE | $3,343 | $2,573+29.9% | $3,583-6.7% | $3,192+4.7% |
| Admin fee / account holder | $420 | $3,515-88.1% | $4,880-91.4% | $4,297-90.2% |