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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 | $23,972 | $75,832-68.4% | $147,618-83.8% | $59,633-59.8% |
| Participation rate | 78.1% | 71.6%+6.6pp | 84.6%-6.5pp | 68.7%+9.5pp |
| Annual return | -1.34% | 0.37%-1.7pp | 61.98%-63.3pp | 2041.40%-2042.7pp |
| Employer contribution / active EE | $2,901 | $3,485-16.8% | $5,565-47.9% | $2,203+31.7% |
| Participant deferral / active EE | $1,074 | $3,131-65.7% | $4,895-78.1% | $3,192-66.3% |
| Admin fee / account holder | $1,275 | $5,986-78.7% | $11,612-89.0% | $4,297-70.3% |