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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 | $12,515 | $77,908-83.9% | $149,696-91.6% | $75,173-83.4% |
| Participation rate | 87.7% | 65.6%+22.1pp | 78.8%+8.9pp | 67.2%+20.5pp |
| Annual return | 17.12% | 31.73%-14.6pp | 134.46%-117.3pp | 160.72%-143.6pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,225 | $3,411-34.8% | $5,682-60.8% | $4,126-46.1% |
| Admin fee / account holder | $614 | $5,950-89.7% | $13,212-95.4% | $5,651-89.1% |