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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 | $29,358 | $61,125-52.0% | $94,057-68.8% | $87,485-66.4% |
| Participation rate | 79.3% | 64.1%+15.2pp | 73.3%+6.0pp | 68.9%+10.4pp |
| Annual return | 19.59% | 35.20%-15.6pp | 480.62%-461.0pp | 26.06%-6.5pp |
| Employer contribution / active EE | $1,621 | $2,136-24.1% | $2,933-44.7% | $2,596-37.6% |
| Participant deferral / active EE | $3,677 | $3,260+12.8% | $4,709-21.9% | $4,274-14.0% |
| Admin fee / account holder | $1,127 | $5,629-80.0% | $7,244-84.4% | $7,775-85.5% |