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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 | $30,866 | $44,850-31.2% | $60,547-49.0% | $59,633-48.2% |
| Participation rate | 82.5% | 59.5%+23.0pp | 68.0%+14.5pp | 68.7%+13.8pp |
| Annual return | -0.63% | 1074.14%-1074.8pp | 335.64%-336.3pp | 2041.40%-2042.0pp |
| Employer contribution / active EE | $1,470 | $1,462+0.6% | $2,419-39.2% | $2,203-33.3% |
| Participant deferral / active EE | $1,906 | $2,230-14.5% | $3,328-42.7% | $3,192-40.3% |
| Admin fee / account holder | $3,624 | $3,635-0.3% | $4,536-20.1% | $4,297-15.7% |