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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 | $15,229 | $49,255-69.1% | $70,494-78.4% | $79,856-80.9% |
| Participation rate | 93.3% | 69.2%+24.2pp | 75.1%+18.3pp | 69.6%+23.7pp |
| Annual return | 20.26% | 30.10%-9.8pp | 109.16%-88.9pp | 31.71%-11.5pp |
| Employer contribution / active EE | $0 | $2,100-100.0% | $2,738-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,834 | $2,768+2.4% | $3,711-23.6% | $3,741-24.2% |
| Admin fee / account holder | $2,036 | $2,879-29.3% | $3,848-47.1% | $5,306-61.6% |