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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 | $31,017 | $65,566-52.7% | $86,235-64.0% | $75,177-58.7% |
| Participation rate | 89.2% | 60.5%+28.7pp | 69.0%+20.3pp | 67.2%+22.0pp |
| Annual return | 14.97% | 46.07%-31.1pp | 1170.03%-1155.1pp | 160.75%-145.8pp |
| Employer contribution / active EE | $804 | $1,553-48.2% | $2,381-66.2% | $2,671-69.9% |
| Participant deferral / active EE | $2,831 | $3,023-6.4% | $3,987-29.0% | $4,126-31.4% |
| Admin fee / account holder | $1,753 | $5,470-68.0% | $6,856-74.4% | $5,651-69.0% |