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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 | $23,466 | $48,364-51.5% | $71,796-67.3% | $62,881-62.7% |
| Participation rate | 90.9% | 60.6%+30.3pp | 69.1%+21.8pp | 69.3%+21.6pp |
| Annual return | 6.66% | 13.16%-6.5pp | 78.04%-71.4pp | 20.14%-13.5pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $1,924-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $4,155 | $2,091+98.7% | $2,794+48.7% | $3,203+29.7% |
| Admin fee / account holder | $3,879 | $3,771+2.8% | $4,815-19.4% | $4,296-9.7% |