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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 | $39,053 | $58,234-32.9% | $81,783-52.2% | $80,874-51.7% |
| Participation rate | 81.8% | 63.4%+18.4pp | 72.4%+9.5pp | 67.6%+14.2pp |
| Annual return | 16.44% | 41.70%-25.3pp | 775.05%-758.6pp | 35.62%-19.2pp |
| Employer contribution / active EE | $1,859 | $2,341-20.6% | $2,913-36.2% | $2,756-32.5% |
| Participant deferral / active EE | $2,793 | $3,283-14.9% | $4,320-35.3% | $4,297-35.0% |
| Admin fee / account holder | $418 | $4,982-91.6% | $7,380-94.3% | $6,935-94.0% |