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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 | $30,469 | $53,546-43.1% | $69,884-56.4% | $68,486-55.5% |
| Participation rate | 86.7% | 64.5%+22.2pp | 70.5%+16.3pp | 67.9%+18.9pp |
| Annual return | -1.75% | -13.87%+12.1pp | 190.81%-192.6pp | -7.85%+6.1pp |
| Employer contribution / active EE | $1,235 | $2,019-38.8% | $2,560-51.7% | $2,597-52.4% |
| Participant deferral / active EE | $3,148 | $2,957+6.5% | $3,848-18.2% | $4,028-21.8% |
| Admin fee / account holder | $1,672 | $4,693-64.4% | $6,266-73.3% | $5,404-69.1% |