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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 | $44,737 | $75,959-41.1% | $154,114-71.0% | $64,181-30.3% |
| Participation rate | 93.1% | 70.4%+22.7pp | 83.0%+10.1pp | 69.6%+23.5pp |
| Annual return | -6.84% | 30.32%-37.2pp | 735.16%-742.0pp | 7.63%-14.5pp |
| Employer contribution / active EE | $2,490 | $3,350-25.7% | $5,298-53.0% | $2,381+4.6% |
| Participant deferral / active EE | $4,066 | $3,175+28.1% | $5,081-20.0% | $3,470+17.2% |
| Admin fee / account holder | $618 | $5,589-88.9% | $13,411-95.4% | $4,887-87.4% |