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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 | $61,602 | $73,107-15.7% | $114,563-46.2% | $87,485-29.6% |
| Participation rate | 83.9% | 65.8%+18.1pp | 72.9%+11.0pp | 68.9%+14.9pp |
| Annual return | 18.55% | 19.47%-0.9pp | 241.09%-222.5pp | 26.06%-7.5pp |
| Employer contribution / active EE | $1,640 | $1,881-12.8% | $2,592-36.7% | $2,596-36.8% |
| Participant deferral / active EE | $2,520 | $3,144-19.9% | $4,142-39.2% | $4,274-41.0% |
| Admin fee / account holder | $996 | $5,770-82.7% | $7,623-86.9% | $7,775-87.2% |