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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 | $106,864-77.9% | $147,318-84.0% | $82,637-71.5% |
| Participation rate | 86.1% | 75.5%+10.6pp | 82.1%+4.0pp | 68.1%+18.1pp |
| Annual return | 19.98% | 27.49%-7.5pp | 70.43%-50.5pp | 53.51%-33.5pp |
| Employer contribution / active EE | $0 | $3,417-100.0% | $4,593-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $5,758 | $6,496-11.4% | $7,906-27.2% | $4,126+39.6% |
| Admin fee / account holder | $740 | $8,415-91.2% | $13,708-94.6% | $7,339-89.9% |