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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 | $23,016 | $70,684-67.4% | $169,397-86.4% | $75,177-69.4% |
| Participation rate | 97.6% | 64.8%+32.8pp | 77.2%+20.4pp | 67.2%+30.4pp |
| Annual return | 21.81% | 36.38%-14.6pp | 406.23%-384.4pp | 160.75%-138.9pp |
| Employer contribution / active EE | $1,972 | $2,211-10.8% | $4,013-50.9% | $2,671-26.2% |
| Participant deferral / active EE | $3,256 | $4,310-24.5% | $6,223-47.7% | $4,126-21.1% |
| Admin fee / account holder | $1,701 | $5,404-68.5% | $9,017-81.1% | $5,651-69.9% |