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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 | $24,327 | $49,896-51.2% | $80,627-69.8% | $75,173-67.6% |
| Participation rate | 79.4% | 55.3%+24.1pp | 67.0%+12.4pp | 67.2%+12.2pp |
| Annual return | 26.80% | 34.67%-7.9pp | 936.76%-910.0pp | 160.72%-133.9pp |
| Employer contribution / active EE | $1,683 | $1,699-0.9% | $2,723-38.2% | $2,671-37.0% |
| Participant deferral / active EE | $4,531 | $2,992+51.5% | $4,443+2.0% | $4,126+9.8% |
| Admin fee / account holder | $1,120 | $3,578-68.7% | $5,381-79.2% | $5,651-80.2% |