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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 | $26,158 | $24,618+6.3% | $71,585-63.5% | $82,637-68.3% |
| Participation rate | 84.4% | 68.2%+16.2pp | 68.2%+16.3pp | 68.1%+16.4pp |
| Annual return | 15.71% | 93.17%-77.5pp | 59.26%-43.6pp | 53.51%-37.8pp |
| Employer contribution / active EE | $0 | $852-100.0% | $1,669-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $3,316 | $1,720+92.8% | $2,923+13.4% | $4,126-19.6% |
| Admin fee / account holder | $3,031 | $3,285-7.7% | $4,712-35.7% | $7,339-58.7% |