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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 | $23,608 | $58,258-59.5% | $81,820-71.1% | $80,925-70.8% |
| Participation rate | 82.1% | 63.5%+18.6pp | 72.4%+9.7pp | 67.7%+14.4pp |
| Annual return | 13.63% | 41.76%-28.1pp | 777.93%-764.3pp | 35.65%-22.0pp |
| Employer contribution / active EE | $3,077 | $2,345+31.2% | $2,915+5.5% | $2,756+11.6% |
| Participant deferral / active EE | $4,775 | $3,284+45.4% | $4,323+10.5% | $4,299+11.1% |
| Admin fee / account holder | $2,173 | $4,976-56.3% | $7,391-70.6% | $6,940-68.7% |