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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 | $26,474 | $80,812-67.2% | $160,784-83.5% | $82,448-67.9% |
| Participation rate | 79.3% | 66.2%+13.1pp | 77.0%+2.4pp | 68.1%+11.2pp |
| Annual return | 17.30% | 100.59%-83.3pp | 1803.92%-1786.6pp | 41.64%-24.3pp |
| Employer contribution / active EE | $2,266 | $2,174+4.2% | $3,733-39.3% | $2,551-11.2% |
| Participant deferral / active EE | $4,421 | $4,335+2.0% | $6,293-29.7% | $4,139+6.8% |
| Admin fee / account holder | $4,045 | $7,695-47.4% | $9,717-58.4% | $7,234-44.1% |