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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 | $48,774 | $56,200-13.2% | $67,653-27.9% | $59,633-18.2% |
| Participation rate | 95.9% | 71.5%+24.4pp | 75.7%+20.2pp | 68.7%+27.2pp |
| Annual return | -1.78% | 18506.71%-18508.5pp | 6625.22%-6627.0pp | 2041.40%-2043.2pp |
| Employer contribution / active EE | $351 | $1,615-78.3% | $2,266-84.5% | $2,203-84.1% |
| Participant deferral / active EE | $2,385 | $2,843-16.1% | $3,560-33.0% | $3,192-25.3% |
| Admin fee / account holder | $491 | $3,959-87.6% | $4,821-89.8% | $4,297-88.6% |