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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 | $26,158 | $49,024-46.6% | $112,860-76.8% | $87,485-70.1% |
| Participation rate | 84.4% | 62.2%+22.3pp | 66.3%+18.1pp | 68.9%+15.5pp |
| Annual return | 15.71% | 43.86%-28.2pp | 35.26%-19.6pp | 26.06%-10.4pp |
| Employer contribution / active EE | $0 | $1,290-100.0% | $2,206-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $3,316 | $2,209+50.1% | $3,493-5.1% | $4,274-22.4% |
| Admin fee / account holder | $3,031 | $6,266-51.6% | $6,841-55.7% | $7,775-61.0% |