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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 | $69,965 | $45,566+53.5% | $64,105+9.1% | $59,633+17.3% |
| Participation rate | 90.0% | 60.2%+29.8pp | 68.2%+21.8pp | 68.7%+21.3pp |
| Annual return | -2.42% | 4.95%-7.4pp | 791.24%-793.7pp | 2041.45%-2043.9pp |
| Employer contribution / active EE | $786 | $934-15.9% | $1,820-56.8% | $2,203-64.3% |
| Participant deferral / active EE | $4,132 | $2,057+100.9% | $2,822+46.4% | $3,192+29.5% |
| Admin fee / account holder | $1,873 | $3,268-42.7% | $4,499-58.4% | $4,297-56.4% |