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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 | $49,502 | $45,152+9.6% | $73,836-33.0% | $59,633-17.0% |
| Participation rate | 80.8% | 64.0%+16.8pp | 73.4%+7.3pp | 68.7%+12.1pp |
| Annual return | -1.29% | 27.40%-28.7pp | 2268.06%-2269.3pp | 2041.45%-2042.7pp |
| Employer contribution / active EE | $426 | $1,901-77.6% | $2,787-84.7% | $2,203-80.7% |
| Participant deferral / active EE | $2,188 | $2,573-15.0% | $3,583-38.9% | $3,192-31.5% |
| Admin fee / account holder | $1,525 | $3,515-56.6% | $4,882-68.8% | $4,297-64.5% |