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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 | $14,419 | $57,590-75.0% | $86,233-83.3% | $82,448-82.5% |
| Participation rate | 82.5% | 57.9%+24.6pp | 69.0%+13.5pp | 68.1%+14.4pp |
| Annual return | 22.04% | 22.41%-0.4pp | 61.39%-39.3pp | 41.64%-19.6pp |
| Employer contribution / active EE | $0 | $1,655-100.0% | $2,504-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,415 | $3,080+10.9% | $4,559-25.1% | $4,139-17.5% |
| Admin fee / account holder | $709 | $4,730-85.0% | $8,342-91.5% | $7,234-90.2% |