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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 | $49,122 | $65,034-24.5% | $90,970-46.0% | $79,856-38.5% |
| Participation rate | 80.0% | 61.6%+18.4pp | 69.0%+11.0pp | 69.6%+10.4pp |
| Annual return | 15.43% | 30.45%-15.0pp | 134.60%-119.2pp | 31.71%-16.3pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,780 | $2,512-29.2% | $3,373-47.2% | $3,741-52.4% |
| Admin fee / account holder | $548 | $4,536-87.9% | $5,961-90.8% | $5,306-89.7% |