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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 | $31,148 | $93,124-66.6% | $77,100-59.6% | $134,545-76.8% |
| Participation rate | 77.8% | 74.5%+3.3pp | 67.9%+9.9pp | 81.2%-3.5pp |
| Annual return | -19.36% | 62.68%-82.0pp | 42.35%-61.7pp | 418.37%-437.7pp |
| Employer contribution / active EE | $1,835 | $3,421-46.4% | $2,815-34.8% | $4,742-61.3% |
| Participant deferral / active EE | $7,180 | $5,242+37.0% | $4,430+62.1% | $6,401+12.2% |
| Admin fee / account holder | $2,506 | $6,970-64.0% | $5,443-54.0% | $11,431-78.1% |