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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 | $21,463 | $75,962-71.7% | $154,108-86.1% | $64,173-66.6% |
| Participation rate | 89.2% | 70.4%+18.8pp | 83.0%+6.2pp | 69.6%+19.6pp |
| Annual return | -7.66% | 30.32%-38.0pp | 735.21%-742.9pp | 7.63%-15.3pp |
| Employer contribution / active EE | $2,910 | $3,350-13.1% | $5,298-45.1% | $2,381+22.2% |
| Participant deferral / active EE | $3,982 | $3,175+25.4% | $5,081-21.6% | $3,470+14.8% |
| Admin fee / account holder | $1,084 | $5,589-80.6% | $13,411-91.9% | $4,887-77.8% |