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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 | $14,750 | $81,233-81.8% | $155,567-90.5% | $80,874-81.8% |
| Participation rate | 87.3% | 66.2%+21.1pp | 78.2%+9.1pp | 67.6%+19.7pp |
| Annual return | 27.21% | 33.33%-6.1pp | 64.74%-37.5pp | 35.62%-8.4pp |
| Employer contribution / active EE | $0 | $3,101-100.0% | $4,674-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $3,948 | $3,452+14.4% | $5,628-29.9% | $4,297-8.1% |
| Admin fee / account holder | $770 | $7,998-90.4% | $15,916-95.2% | $6,935-88.9% |