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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 | $23,993 | $93,346-74.3% | $71,796-66.6% | $273,972-91.2% |
| Participation rate | 88.2% | 76.5%+11.7pp | 69.1%+19.1pp | 83.0%+5.2pp |
| Annual return | 1.96% | 130.39%-128.4pp | 78.04%-76.1pp | 41.46%-39.5pp |
| Employer contribution / active EE | $2,696 | $2,733-1.4% | $1,924+40.1% | $4,869-44.6% |
| Participant deferral / active EE | $2,297 | $3,475-33.9% | $2,794-17.8% | $5,287-56.6% |
| Admin fee / account holder | $1,521 | $6,571-76.8% | $4,815-68.4% | $10,133-85.0% |