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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 | $20,209 | $69,518-70.9% | $59,887-66.3% | $135,379-85.1% |
| Participation rate | 90.0% | 77.8%+12.2pp | 74.7%+15.3pp | 82.6%+7.4pp |
| Annual return | -8.58% | 7.95%-16.5pp | 3.46%-12.0pp | 519.79%-528.4pp |
| Employer contribution / active EE | $2,473 | $3,235-23.5% | $2,722-9.1% | $4,779-48.2% |
| Participant deferral / active EE | $5,191 | $4,204+23.5% | $3,402+52.6% | $5,609-7.5% |
| Admin fee / account holder | $974 | $5,734-83.0% | $3,591-72.9% | $10,828-91.0% |