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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 | $56,900 | $81,208-29.9% | $98,920-42.5% | $79,856-28.7% |
| Participation rate | 83.0% | 72.5%+10.5pp | 76.0%+7.0pp | 69.6%+13.4pp |
| Annual return | 17.13% | 60.99%-43.9pp | 196.47%-179.3pp | 31.71%-14.6pp |
| Employer contribution / active EE | $565 | $1,960-71.2% | $2,689-79.0% | $2,471-77.1% |
| Participant deferral / active EE | $2,393 | $3,265-26.7% | $4,245-43.6% | $3,741-36.0% |
| Admin fee / account holder | $3,035 | $6,013-49.5% | $6,643-54.3% | $5,306-42.8% |