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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 | $28,114 | $63,861-56.0% | $104,639-73.1% | $79,856-64.8% |
| Participation rate | 71.2% | 64.9%+6.3pp | 74.1%-2.8pp | 69.6%+1.6pp |
| Annual return | 16.62% | 21.30%-4.7pp | 340.67%-324.0pp | 31.71%-15.1pp |
| Employer contribution / active EE | $0 | $1,588-100.0% | $2,682-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,139 | $2,693-20.6% | $3,738-42.8% | $3,741-42.8% |
| Admin fee / account holder | $2,404 | $4,185-42.6% | $6,465-62.8% | $5,306-54.7% |