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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 | $37,580 | $100,805-62.7% | $86,698-56.7% | $134,532-72.1% |
| Participation rate | 93.8% | 79.0%+14.8pp | 76.6%+17.2pp | 81.2%+12.5pp |
| Annual return | -19.16% | 29.09%-48.3pp | 35.95%-55.1pp | 418.27%-437.4pp |
| Employer contribution / active EE | $1,851 | $3,490-47.0% | $2,837-34.7% | $4,741-61.0% |
| Participant deferral / active EE | $1,831 | $5,339-65.7% | $4,656-60.7% | $6,401-71.4% |
| Admin fee / account holder | $9,608 | $10,925-12.1% | $7,493+28.2% | $11,429-15.9% |