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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 | $32,919 | $54,370-39.5% | $82,763-60.2% | $68,490-51.9% |
| Participation rate | 94.2% | 63.9%+30.3pp | 72.6%+21.7pp | 67.9%+26.3pp |
| Annual return | -16.51% | -13.67%-2.8pp | 702.45%-719.0pp | -7.85%-8.7pp |
| Employer contribution / active EE | $1,999 | $2,219-9.9% | $3,008-33.5% | $2,597-23.0% |
| Participant deferral / active EE | $5,458 | $3,247+68.1% | $4,395+24.2% | $4,028+35.5% |
| Admin fee / account holder | $1,574 | $4,398-64.2% | $5,325-70.4% | $5,403-70.9% |