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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 | $7,315 | $76,407-90.4% | $150,298-95.1% | $82,448-91.1% |
| Participation rate | 83.8% | 66.4%+17.4pp | 77.8%+6.0pp | 68.1%+15.7pp |
| Annual return | 28.36% | 39.99%-11.6pp | 62.79%-34.4pp | 41.64%-13.3pp |
| Employer contribution / active EE | $0 | $2,614-100.0% | $4,154-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,936 | $3,214-8.7% | $5,453-46.2% | $4,139-29.1% |
| Admin fee / account holder | $347 | $6,352-94.5% | $14,116-97.5% | $7,234-95.2% |