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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 | $10,594 | $78,690-86.5% | $161,489-93.4% | $87,485-87.9% |
| Participation rate | 78.0% | 67.5%+10.5pp | 78.7%-0.7pp | 68.9%+9.0pp |
| Annual return | 24.23% | 32.74%-8.5pp | 89.72%-65.5pp | 26.06%-1.8pp |
| Employer contribution / active EE | $0 | $2,588-100.0% | $4,268-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $3,116 | $3,311-5.9% | $5,630-44.6% | $4,274-27.1% |
| Admin fee / account holder | $1,164 | $6,724-82.7% | $16,006-92.7% | $7,775-85.0% |