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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 | $19,794 | $75,541-73.8% | $152,093-87.0% | $82,637-76.0% |
| Participation rate | 85.4% | 66.5%+18.8pp | 77.8%+7.6pp | 68.1%+17.3pp |
| Annual return | 20.02% | 32.56%-12.5pp | 66.36%-46.3pp | 53.51%-33.5pp |
| Employer contribution / active EE | $0 | $2,622-100.0% | $4,175-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $3,700 | $3,206+15.4% | $5,451-32.1% | $4,126-10.3% |
| Admin fee / account holder | $1,491 | $6,405-76.7% | $14,497-89.7% | $7,339-79.7% |