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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 | $30,384 | $48,053-36.8% | $84,628-64.1% | $72,975-58.4% |
| Participation rate | 75.0% | 57.6%+17.4pp | 68.2%+6.8pp | 69.5%+5.5pp |
| Annual return | 22.16% | 37.39%-15.2pp | 258.80%-236.6pp | 81.01%-58.9pp |
| Employer contribution / active EE | $0 | $1,602-100.0% | $2,653-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $4,302 | $2,681+60.5% | $3,900+10.3% | $3,608+19.3% |
| Admin fee / account holder | $2,085 | $3,395-38.6% | $4,914-57.6% | $5,124-59.3% |