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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 | $49,316 | $63,346-22.1% | $92,239-46.5% | $70,124-29.7% |
| Participation rate | 87.4% | 68.7%+18.7pp | 76.5%+10.9pp | 69.5%+17.8pp |
| Annual return | 18.45% | 530.19%-511.7pp | 176.29%-157.8pp | 73.14%-54.7pp |
| Employer contribution / active EE | $1,600 | $2,471-35.3% | $3,680-56.5% | $2,342-31.7% |
| Participant deferral / active EE | $3,674 | $2,854+28.7% | $3,897-5.7% | $3,332+10.3% |
| Admin fee / account holder | $1,085 | $3,841-71.7% | $5,194-79.1% | $4,645-76.6% |