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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 | $38,871 | $58,275-33.3% | $81,844-52.5% | $80,935-52.0% |
| Participation rate | 84.8% | 63.5%+21.4pp | 72.4%+12.5pp | 67.7%+17.2pp |
| Annual return | 12.16% | 41.82%-29.7pp | 778.87%-766.7pp | 35.66%-23.5pp |
| Employer contribution / active EE | $2,922 | $2,346+24.6% | $2,916+0.2% | $2,757+6.0% |
| Participant deferral / active EE | $5,961 | $3,285+81.4% | $4,323+37.9% | $4,299+38.6% |
| Admin fee / account holder | $403 | $4,749-91.5% | $7,355-94.5% | $6,924-94.2% |