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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 | $51,604-48.1% | $129,295-79.3% | $80,874-66.9% |
| Participation rate | 79.6% | 57.0%+22.7pp | 69.6%+10.0pp | 67.6%+12.0pp |
| Annual return | 12.08% | 20.76%-8.7pp | 9429.28%-9417.2pp | 35.62%-23.5pp |
| Employer contribution / active EE | $1,146 | $1,585-27.7% | $4,157-72.4% | $2,756-58.4% |
| Participant deferral / active EE | $2,062 | $2,670-22.8% | $4,169-50.6% | $4,297-52.0% |
| Admin fee / account holder | $420 | $4,310-90.3% | $7,665-94.5% | $6,935-93.9% |