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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 | $20,264 | $60,119-66.3% | $90,430-77.6% | $79,858-74.6% |
| Participation rate | 80.4% | 65.0%+15.5pp | 72.7%+7.7pp | 69.6%+10.8pp |
| Annual return | 18.76% | 71.94%-53.2pp | 1293.73%-1275.0pp | 31.72%-13.0pp |
| Employer contribution / active EE | $1,790 | $2,068-13.4% | $3,262-45.1% | $2,471-27.6% |
| Participant deferral / active EE | $2,823 | $2,938-3.9% | $3,963-28.8% | $3,740-24.5% |
| Admin fee / account holder | $1,535 | $3,976-61.4% | $5,613-72.7% | $5,306-71.1% |