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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 | $34,788 | $49,896-30.3% | $80,627-56.9% | $75,173-53.7% |
| Participation rate | 74.3% | 55.3%+19.0pp | 67.0%+7.3pp | 67.2%+7.1pp |
| Annual return | 18.77% | 34.67%-15.9pp | 936.76%-918.0pp | 160.72%-142.0pp |
| Employer contribution / active EE | $1,728 | $1,699+1.7% | $2,723-36.5% | $2,671-35.3% |
| Participant deferral / active EE | $4,257 | $2,992+42.3% | $4,443-4.2% | $4,126+3.2% |
| Admin fee / account holder | $1,108 | $3,578-69.0% | $5,381-79.4% | $5,651-80.4% |