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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 | $4,285 | $94,439-95.5% | $73,658-94.2% | $154,746-97.2% |
| Participation rate | 73.3% | 64.7%+8.7pp | 57.0%+16.3pp | 80.7%-7.4pp |
| Annual return | 17.95% | 28.25%-10.3pp | 29.72%-11.8pp | 172.34%-154.4pp |
| Employer contribution / active EE | $0 | $1,257-100.0% | $1,032-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $1,091 | $2,527-56.8% | $2,062-47.1% | $6,730-83.8% |
| Admin fee / account holder | $594 | $3,843-84.5% | $3,357-82.3% | $14,365-95.9% |