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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 | $7,622 | $76,407-90.0% | $150,298-94.9% | $82,448-90.8% |
| Participation rate | 87.0% | 66.4%+20.6pp | 77.8%+9.3pp | 68.1%+18.9pp |
| Annual return | 30.67% | 39.99%-9.3pp | 62.79%-32.1pp | 41.64%-11.0pp |
| Employer contribution / active EE | $0 | $2,614-100.0% | $4,154-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,998 | $3,214+24.4% | $5,453-26.7% | $4,139-3.4% |
| Admin fee / account holder | $411 | $6,352-93.5% | $14,116-97.1% | $7,234-94.3% |