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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 | $28,426 | $58,311-51.3% | $81,882-65.3% | $80,959-64.9% |
| Participation rate | 76.1% | 63.5%+12.6pp | 72.4%+3.7pp | 67.7%+8.4pp |
| Annual return | 15.18% | 41.85%-26.7pp | 779.47%-764.3pp | 35.67%-20.5pp |
| Employer contribution / active EE | $1,447 | $2,347-38.3% | $2,916-50.4% | $2,757-47.5% |
| Participant deferral / active EE | $3,330 | $3,287+1.3% | $4,323-23.0% | $4,300-22.6% |
| Admin fee / account holder | $2,377 | $4,752-50.0% | $7,360-67.7% | $6,925-65.7% |