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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 | $43,664 | $63,346-31.1% | $92,240-52.7% | $70,126-37.7% |
| Participation rate | 84.6% | 68.7%+15.9pp | 76.5%+8.1pp | 69.5%+15.1pp |
| Annual return | 17.92% | 530.19%-512.3pp | 176.29%-158.4pp | 73.15%-55.2pp |
| Employer contribution / active EE | $1,074 | $2,471-56.5% | $3,680-70.8% | $2,343-54.1% |
| Participant deferral / active EE | $2,703 | $2,854-5.3% | $3,897-30.6% | $3,332-18.9% |
| Admin fee / account holder | $460 | $3,841-88.0% | $5,194-91.1% | $4,645-90.1% |