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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 | $23,338 | $60,119-61.2% | $90,430-74.2% | $79,858-70.8% |
| Participation rate | 87.6% | 65.0%+22.7pp | 72.7%+14.9pp | 69.6%+18.0pp |
| Annual return | 16.70% | 71.94%-55.2pp | 1293.73%-1277.0pp | 31.72%-15.0pp |
| Employer contribution / active EE | $1,077 | $2,068-47.9% | $3,262-67.0% | $2,471-56.4% |
| Participant deferral / active EE | $2,084 | $2,938-29.1% | $3,963-47.4% | $3,740-44.3% |
| Admin fee / account holder | $3,786 | $3,976-4.8% | $5,613-32.5% | $5,306-28.6% |