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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 | $18,210 | $78,013-76.7% | $178,449-89.8% | $80,911-77.5% |
| Participation rate | 97.3% | 65.7%+31.6pp | 77.1%+20.2pp | 67.6%+29.6pp |
| Annual return | 12.14% | 18.07%-5.9pp | 27.09%-14.9pp | 35.63%-23.5pp |
| Employer contribution / active EE | $0 | $2,287-100.0% | $3,951-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $4,350 | $4,408-1.3% | $6,277-30.7% | $4,297+1.2% |
| Admin fee / account holder | $347 | $7,166-95.2% | $10,362-96.6% | $6,935-95.0% |