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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 | $30,107 | $87,016-65.4% | $63,244-52.4% | $125,389-76.0% |
| Participation rate | 95.2% | 77.1%+18.2pp | 71.0%+24.2pp | 83.2%+12.0pp |
| Annual return | -3.49% | 21.71%-25.2pp | -70.31%+66.8pp | 282.24%-285.7pp |
| Employer contribution / active EE | $1,411 | $3,601-60.8% | $2,322-39.2% | $4,866-71.0% |
| Participant deferral / active EE | $2,938 | $3,939-25.4% | $2,953-0.5% | $5,352-45.1% |
| Admin fee / account holder | $6,016 | $11,954-49.7% | $5,893+2.1% | $9,541-36.9% |