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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 | $64,129 | $211,946-69.7% | $169,452-62.2% | $135,379-52.6% |
| Participation rate | 94.4% | 82.6%+11.8pp | 77.8%+16.7pp | 82.6%+11.8pp |
| Annual return | -8.61% | 3.26%-11.9pp | 1.83%-10.4pp | 519.79%-528.4pp |
| Employer contribution / active EE | $1,207 | $5,117-76.4% | $4,157-71.0% | $4,779-74.7% |
| Participant deferral / active EE | $3,859 | $6,075-36.5% | $5,277-26.9% | $5,609-31.2% |
| Admin fee / account holder | $928 | $11,472-91.9% | $9,110-89.8% | $10,828-91.4% |