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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 | $31,079 | $57,352-45.8% | $83,831-62.9% | $64,173-51.6% |
| Participation rate | 96.0% | 68.6%+27.4pp | 76.1%+19.9pp | 69.6%+26.4pp |
| Annual return | -6.66% | 11.38%-18.0pp | 850.99%-857.7pp | 7.63%-14.3pp |
| Employer contribution / active EE | $5,729 | $2,546+125.1% | $3,631+57.8% | $2,381+140.6% |
| Participant deferral / active EE | $2,827 | $2,993-5.6% | $4,082-30.8% | $3,470-18.5% |
| Admin fee / account holder | $562 | $4,046-86.1% | $5,479-89.7% | $4,887-88.5% |