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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 | $32,792 | $57,352-42.8% | $83,831-60.9% | $64,173-48.9% |
| Participation rate | 85.7% | 68.6%+17.1pp | 76.1%+9.6pp | 69.6%+16.1pp |
| Annual return | -6.24% | 11.38%-17.6pp | 850.99%-857.2pp | 7.63%-13.9pp |
| Employer contribution / active EE | $2,253 | $2,546-11.5% | $3,631-37.9% | $2,381-5.3% |
| Participant deferral / active EE | $4,372 | $2,993+46.1% | $4,082+7.1% | $3,470+26.0% |
| Admin fee / account holder | $1,260 | $4,046-68.9% | $5,479-77.0% | $4,887-74.2% |