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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 | $24,684 | $70,418-64.9% | $96,570-74.4% | $85,847-71.2% |
| Participation rate | 72.2% | 61.8%+10.4pp | 69.8%+2.4pp | 69.3%+2.9pp |
| Annual return | 14.62% | 18.59%-4.0pp | 37.79%-23.2pp | 318.61%-304.0pp |
| Employer contribution / active EE | $2,463 | $1,413+74.3% | $2,357+4.5% | $2,565-4.0% |
| Participant deferral / active EE | $4,026 | $2,894+39.1% | $3,849+4.6% | $3,952+1.9% |
| Admin fee / account holder | $3,409 | $4,995-31.7% | $6,182-44.9% | $6,261-45.5% |