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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 | $31,603 | $80,812-60.9% | $160,784-80.3% | $82,448-61.7% |
| Participation rate | 97.2% | 66.2%+30.9pp | 77.0%+20.2pp | 68.1%+29.1pp |
| Annual return | 14.86% | 100.59%-85.7pp | 1803.92%-1789.1pp | 41.64%-26.8pp |
| Employer contribution / active EE | $794 | $2,174-63.5% | $3,733-78.7% | $2,551-68.9% |
| Participant deferral / active EE | $4,902 | $4,335+13.1% | $6,293-22.1% | $4,139+18.4% |
| Admin fee / account holder | $4,552 | $7,695-40.8% | $9,717-53.2% | $7,234-37.1% |