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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 | $58,275-33.0% | $81,844-52.3% | $80,935-51.7% |
| Participation rate | 81.8% | 63.5%+18.4pp | 72.4%+9.4pp | 67.7%+14.2pp |
| Annual return | 16.44% | 41.82%-25.4pp | 778.87%-762.4pp | 35.66%-19.2pp |
| Employer contribution / active EE | $1,859 | $2,346-20.7% | $2,916-36.2% | $2,757-32.5% |
| Participant deferral / active EE | $2,793 | $3,285-15.0% | $4,323-35.4% | $4,299-35.0% |
| Admin fee / account holder | $418 | $4,749-91.2% | $7,355-94.3% | $6,924-94.0% |