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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 | $19,950 | $24,618-19.0% | $71,585-72.1% | $82,637-75.9% |
| Participation rate | 92.9% | 68.2%+24.7pp | 68.2%+24.7pp | 68.1%+24.8pp |
| Annual return | 15.84% | 93.17%-77.3pp | 59.26%-43.4pp | 53.51%-37.7pp |
| Employer contribution / active EE | $407 | $852-52.2% | $1,669-75.6% | $2,552-84.0% |
| Participant deferral / active EE | $2,773 | $1,720+61.2% | $2,923-5.1% | $4,126-32.8% |
| Admin fee / account holder | $2,180 | $3,285-33.6% | $4,712-53.7% | $7,339-70.3% |