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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 | $24,696 | $57,352-56.9% | $83,831-70.5% | $64,173-61.5% |
| Participation rate | 92.3% | 68.6%+23.7pp | 76.1%+16.2pp | 69.6%+22.7pp |
| Annual return | -5.71% | 11.38%-17.1pp | 850.99%-856.7pp | 7.63%-13.3pp |
| Employer contribution / active EE | $2,423 | $2,546-4.8% | $3,631-33.3% | $2,381+1.8% |
| Participant deferral / active EE | $4,325 | $2,993+44.5% | $4,082+6.0% | $3,470+24.7% |
| Admin fee / account holder | $392 | $4,046-90.3% | $5,479-92.8% | $4,887-92.0% |