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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 | $32,703 | $96,508-66.1% | $75,901-56.9% | $152,897-78.6% |
| Participation rate | 85.7% | 76.2%+9.5pp | 69.3%+16.4pp | 82.5%+3.3pp |
| Annual return | 23.01% | 33.99%-11.0pp | 30.76%-7.7pp | 345.43%-322.4pp |
| Employer contribution / active EE | $0 | $3,310-100.0% | $2,501-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $2,922 | $4,554-35.8% | $3,603-18.9% | $5,851-50.1% |
| Admin fee / account holder | $902 | $8,081-88.8% | $5,420-83.4% | $11,599-92.2% |