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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 | $28,248 | $60,139-53.0% | $90,461-68.8% | $79,856-64.6% |
| Participation rate | 88.4% | 65.0%+23.4pp | 72.7%+15.7pp | 69.6%+18.7pp |
| Annual return | 20.53% | 71.96%-51.4pp | 1294.76%-1274.2pp | 31.71%-11.2pp |
| Employer contribution / active EE | $0 | $2,069-100.0% | $3,264-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,753 | $2,939-40.4% | $3,964-55.8% | $3,741-53.1% |
| Admin fee / account holder | $4,243 | $3,978+6.6% | $5,617-24.5% | $5,306-20.0% |