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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 | $23,591 | $99,875-76.4% | $146,866-83.9% | $86,983-72.9% |
| Participation rate | 86.1% | 75.8%+10.3pp | 82.5%+3.6pp | 69.5%+16.6pp |
| Annual return | 19.98% | 28.10%-8.1pp | 102.85%-82.9pp | 25.83%-5.9pp |
| Employer contribution / active EE | $0 | $3,224-100.0% | $4,425-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $5,758 | $6,322-8.9% | $7,759-25.8% | $4,194+37.3% |
| Admin fee / account holder | $740 | $7,838-90.6% | $13,620-94.6% | $7,856-90.6% |