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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 | $29,026 | $65,566-55.7% | $86,235-66.3% | $75,177-61.4% |
| Participation rate | 80.3% | 60.5%+19.8pp | 69.0%+11.4pp | 67.2%+13.1pp |
| Annual return | 17.89% | 46.07%-28.2pp | 1170.03%-1152.1pp | 160.75%-142.9pp |
| Employer contribution / active EE | $1,230 | $1,553-20.8% | $2,381-48.4% | $2,671-54.0% |
| Participant deferral / active EE | $3,353 | $3,023+10.9% | $3,987-15.9% | $4,126-18.8% |
| Admin fee / account holder | $725 | $5,470-86.7% | $6,856-89.4% | $5,651-87.2% |