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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 | $47,904 | $52,911-9.5% | $73,309-34.7% | $59,633-19.7% |
| Participation rate | 93.3% | 68.2%+25.1pp | 74.9%+18.4pp | 68.7%+24.7pp |
| Annual return | -2.37% | 12.20%-14.6pp | 5.67%-8.0pp | 2041.40%-2043.8pp |
| Employer contribution / active EE | $2,918 | $1,909+52.9% | $3,237-9.9% | $2,203+32.5% |
| Participant deferral / active EE | $4,525 | $4,069+11.2% | $4,991-9.3% | $3,192+41.8% |
| Admin fee / account holder | $317 | $3,835-91.7% | $5,635-94.4% | $4,297-92.6% |