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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 | $18,180 | $100,792-82.0% | $86,691-79.0% | $134,509-86.5% |
| Participation rate | 95.5% | 78.9%+16.5pp | 76.6%+18.9pp | 81.2%+14.2pp |
| Annual return | -19.16% | 29.08%-48.2pp | 35.94%-55.1pp | 418.13%-437.3pp |
| Employer contribution / active EE | $2,722 | $3,491-22.0% | $2,837-4.0% | $4,741-42.6% |
| Participant deferral / active EE | $3,853 | $5,339-27.8% | $4,656-17.2% | $6,400-39.8% |
| Admin fee / account holder | $1,020 | $10,924-90.7% | $7,492-86.4% | $11,427-91.1% |