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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 | $49,660 | $51,184-3.0% | $66,439-25.3% | $86,983-42.9% |
| Participation rate | 97.4% | 68.5%+29.0pp | 74.5%+22.9pp | 69.5%+27.9pp |
| Annual return | 14.44% | 17.07%-2.6pp | 757.66%-743.2pp | 25.83%-11.4pp |
| Employer contribution / active EE | $2,543 | $2,023+25.7% | $2,637-3.6% | $2,584-1.6% |
| Participant deferral / active EE | $2,625 | $2,927-10.3% | $3,876-32.3% | $4,194-37.4% |
| Admin fee / account holder | $2,012 | $4,154-51.6% | $6,173-67.4% | $7,856-74.4% |