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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 | $23,268 | $57,352-59.4% | $83,831-72.2% | $64,173-63.7% |
| Participation rate | 94.4% | 68.6%+25.8pp | 76.1%+18.3pp | 69.6%+24.9pp |
| Annual return | -5.11% | 11.38%-16.5pp | 850.99%-856.1pp | 7.63%-12.7pp |
| Employer contribution / active EE | $5,953 | $2,546+133.8% | $3,631+63.9% | $2,381+150.0% |
| Participant deferral / active EE | $1,868 | $2,993-37.6% | $4,082-54.2% | $3,470-46.2% |
| Admin fee / account holder | $3,395 | $4,046-16.1% | $5,479-38.0% | $4,887-30.5% |