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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 | $23,666 | $63,346-62.6% | $92,240-74.3% | $70,126-66.3% |
| Participation rate | 82.9% | 68.7%+14.2pp | 76.5%+6.4pp | 69.5%+13.4pp |
| Annual return | 14.82% | 530.19%-515.4pp | 176.29%-161.5pp | 73.15%-58.3pp |
| Employer contribution / active EE | $1,648 | $2,471-33.3% | $3,680-55.2% | $2,343-29.6% |
| Participant deferral / active EE | $2,409 | $2,854-15.6% | $3,897-38.2% | $3,332-27.7% |
| Admin fee / account holder | $1,185 | $3,841-69.2% | $5,194-77.2% | $4,645-74.5% |