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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 | $14,479 | $81,331-82.2% | $155,534-90.7% | $80,935-82.1% |
| Participation rate | 85.3% | 66.3%+19.0pp | 78.2%+7.1pp | 67.7%+17.6pp |
| Annual return | 14.40% | 33.37%-19.0pp | 64.92%-50.5pp | 35.66%-21.3pp |
| Employer contribution / active EE | $0 | $3,105-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,370 | $3,454+26.5% | $5,630-22.4% | $4,299+1.6% |
| Admin fee / account holder | $795 | $7,999-90.1% | $15,900-95.0% | $6,924-88.5% |