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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 | $16,152 | $45,900-64.8% | $94,057-82.8% | $64,340-74.9% |
| Participation rate | 97.0% | 50.6%+46.4pp | 73.3%+23.7pp | 55.2%+41.8pp |
| Annual return | 18.89% | 50.47%-31.6pp | 480.62%-461.7pp | 24.14%-5.3pp |
| Employer contribution / active EE | $1,759 | $1,612+9.1% | $2,933-40.0% | $1,862-5.5% |
| Participant deferral / active EE | $2,737 | $2,102+30.2% | $4,709-41.9% | $2,980-8.2% |
| Admin fee / account holder | $2,035 | $3,143-35.3% | $7,244-71.9% | $3,703-45.0% |