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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 | $61,757 | $86,298-28.4% | $111,308-44.5% | $85,847-28.1% |
| Participation rate | 85.3% | 73.3%+12.0pp | 77.3%+8.0pp | 69.3%+16.0pp |
| Annual return | 18.54% | 19.99%-1.4pp | 54.67%-36.1pp | 318.61%-300.1pp |
| Employer contribution / active EE | $0 | $2,044-100.0% | $2,732-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $2,131 | $3,641-41.5% | $4,487-52.5% | $3,952-46.1% |
| Admin fee / account holder | $4,667 | $8,189-43.0% | $7,965-41.4% | $6,261-25.5% |