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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 | $23,206 | $78,027-70.3% | $178,528-87.0% | $80,925-71.3% |
| Participation rate | 86.8% | 65.7%+21.1pp | 77.1%+9.7pp | 67.7%+19.1pp |
| Annual return | 22.30% | 18.09%+4.2pp | 27.11%-4.8pp | 35.65%-13.3pp |
| Employer contribution / active EE | $0 | $2,281-100.0% | $3,950-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $7,840 | $4,408+77.9% | $6,278+24.9% | $4,299+82.4% |
| Admin fee / account holder | $2,281 | $7,168-68.2% | $10,419-78.1% | $6,940-67.1% |