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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 | $39,582 | $91,537-56.8% | $130,045-69.6% | $75,173-47.3% |
| Participation rate | 73.1% | 71.5%+1.7pp | 78.5%-5.4pp | 67.2%+5.9pp |
| Annual return | 32.36% | -631.55%+663.9pp | -137.30%+169.7pp | 160.72%-128.4pp |
| Employer contribution / active EE | $1,734 | $2,845-39.0% | $4,321-59.9% | $2,671-35.1% |
| Participant deferral / active EE | $7,698 | $4,343+77.3% | $5,820+32.3% | $4,126+86.6% |
| Admin fee / account holder | $2,411 | $6,780-64.4% | $10,600-77.3% | $5,651-57.3% |