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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 | $37,931 | $78,694-51.8% | $67,652-43.9% | $125,389-69.7% |
| Participation rate | 88.2% | 78.8%+9.4pp | 75.7%+12.6pp | 83.2%+5.0pp |
| Annual return | -0.53% | 9.46%-10.0pp | 6625.40%-6625.9pp | 282.24%-282.8pp |
| Employer contribution / active EE | $2,023 | $3,044-33.5% | $2,266-10.7% | $4,866-58.4% |
| Participant deferral / active EE | $2,834 | $4,292-34.0% | $3,560-20.4% | $5,352-47.0% |
| Admin fee / account holder | $495 | $7,403-93.3% | $4,821-89.7% | $9,541-94.8% |