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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 | $53,367 | $75,962-29.7% | $154,108-65.4% | $64,173-16.8% |
| Participation rate | 96.6% | 70.4%+26.1pp | 83.0%+13.5pp | 69.6%+27.0pp |
| Annual return | -5.77% | 30.32%-36.1pp | 735.21%-741.0pp | 7.63%-13.4pp |
| Employer contribution / active EE | $1,286 | $3,350-61.6% | $5,298-75.7% | $2,381-46.0% |
| Participant deferral / active EE | $3,113 | $3,175-2.0% | $5,081-38.7% | $3,470-10.3% |
| Admin fee / account holder | $337 | $5,589-94.0% | $13,411-97.5% | $4,887-93.1% |