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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 | $36,100 | $75,962-52.5% | $154,111-76.6% | $64,173-43.7% |
| Participation rate | 85.4% | 70.4%+15.0pp | 83.0%+2.4pp | 69.6%+15.8pp |
| Annual return | -7.48% | 30.32%-37.8pp | 735.18%-742.7pp | 7.63%-15.1pp |
| Employer contribution / active EE | $2,198 | $3,350-34.4% | $5,298-58.5% | $2,381-7.7% |
| Participant deferral / active EE | $3,984 | $3,175+25.5% | $5,081-21.6% | $3,470+14.8% |
| Admin fee / account holder | $735 | $5,589-86.9% | $13,411-94.5% | $4,887-85.0% |