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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 | $26,760 | $51,638-48.2% | $129,406-79.3% | $80,959-66.9% |
| Participation rate | 79.6% | 56.9%+22.7pp | 69.6%+10.0pp | 67.7%+12.0pp |
| Annual return | 12.08% | 20.78%-8.7pp | 9468.18%-9456.1pp | 35.67%-23.6pp |
| Employer contribution / active EE | $1,146 | $1,584-27.6% | $4,155-72.4% | $2,757-58.4% |
| Participant deferral / active EE | $2,062 | $2,670-22.8% | $4,167-50.5% | $4,300-52.1% |
| Admin fee / account holder | $420 | $4,313-90.3% | $7,689-94.5% | $6,925-93.9% |