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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 | $12,857 | $75,541-83.0% | $152,093-91.5% | $82,637-84.4% |
| Participation rate | 82.8% | 66.5%+16.2pp | 77.8%+5.0pp | 68.1%+14.7pp |
| Annual return | 15.62% | 32.56%-16.9pp | 66.36%-50.7pp | 53.51%-37.9pp |
| Employer contribution / active EE | $0 | $2,622-100.0% | $4,175-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,901 | $3,206-9.5% | $5,451-46.8% | $4,126-29.7% |
| Admin fee / account holder | $540 | $6,405-91.6% | $14,497-96.3% | $7,339-92.6% |