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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 | $21,621 | $73,107-70.4% | $114,563-81.1% | $87,485-75.3% |
| Participation rate | 83.3% | 65.8%+17.6pp | 72.9%+10.4pp | 68.9%+14.4pp |
| Annual return | 18.02% | 19.47%-1.5pp | 241.09%-223.1pp | 26.06%-8.0pp |
| Employer contribution / active EE | $1,618 | $1,881-14.0% | $2,592-37.6% | $2,596-37.7% |
| Participant deferral / active EE | $3,029 | $3,144-3.7% | $4,142-26.9% | $4,274-29.1% |
| Admin fee / account holder | $1,466 | $5,770-74.6% | $7,623-80.8% | $7,775-81.1% |