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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 | $30,211 | $74,535-59.5% | $100,712-70.0% | $82,637-63.4% |
| Participation rate | 96.6% | 61.2%+35.4pp | 69.3%+27.3pp | 68.1%+28.5pp |
| Annual return | 17.05% | 18.92%-1.9pp | 33.27%-16.2pp | 53.51%-36.5pp |
| Employer contribution / active EE | $0 | $1,503-100.0% | $2,313-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,075 | $3,074-32.5% | $4,085-49.2% | $4,126-49.7% |
| Admin fee / account holder | $1,943 | $6,576-70.4% | $9,256-79.0% | $7,339-73.5% |