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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 | $45,028 | $82,674-45.5% | $125,358-64.1% | $68,498-34.3% |
| Participation rate | 96.8% | 75.0%+21.7pp | 82.4%+14.4pp | 67.9%+28.9pp |
| Annual return | -17.94% | -5.97%-12.0pp | 572.03%-590.0pp | -7.84%-10.1pp |
| Employer contribution / active EE | $2,402 | $3,381-29.0% | $4,814-50.1% | $2,596-7.5% |
| Participant deferral / active EE | $4,115 | $6,111-32.7% | $7,447-44.7% | $4,027+2.2% |
| Admin fee / account holder | $7,248 | $6,276+15.5% | $10,007-27.6% | $5,403+34.1% |