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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 | $8,205 | $58,627-86.0% | $76,735-89.3% | $82,448-90.0% |
| Participation rate | 70.7% | 63.2%+7.5pp | 69.5%+1.2pp | 68.1%+2.7pp |
| Annual return | 20.31% | 39.10%-18.8pp | 29.77%-9.5pp | 41.64%-21.3pp |
| Employer contribution / active EE | $0 | $1,729-100.0% | $2,454-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,070 | $3,134-33.9% | $4,088-49.4% | $4,139-50.0% |
| Admin fee / account holder | $690 | $5,323-87.0% | $7,189-90.4% | $7,234-90.5% |