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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 | $29,361 | $58,311-49.6% | $81,882-64.1% | $80,959-63.7% |
| Participation rate | 76.0% | 63.5%+12.5pp | 72.4%+3.6pp | 67.7%+8.3pp |
| Annual return | 14.38% | 41.85%-27.5pp | 779.47%-765.1pp | 35.67%-21.3pp |
| Employer contribution / active EE | $2,079 | $2,347-11.4% | $2,916-28.7% | $2,757-24.6% |
| Participant deferral / active EE | $3,605 | $3,287+9.7% | $4,323-16.6% | $4,300-16.2% |
| Admin fee / account holder | $932 | $4,752-80.4% | $7,360-87.3% | $6,925-86.5% |