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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 | $53,131 | $57,352-7.4% | $83,830-36.6% | $64,173-17.2% |
| Participation rate | 84.0% | 68.6%+15.4pp | 76.1%+7.9pp | 69.6%+14.4pp |
| Annual return | -8.18% | 11.38%-19.6pp | 850.97%-859.1pp | 7.63%-15.8pp |
| Employer contribution / active EE | $1,718 | $2,546-32.5% | $3,631-52.7% | $2,381-27.8% |
| Participant deferral / active EE | $4,167 | $2,993+39.2% | $4,082+2.1% | $3,470+20.1% |
| Admin fee / account holder | $392 | $4,046-90.3% | $5,479-92.8% | $4,887-92.0% |