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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 | $49,315 | $105,866-53.4% | $90,766-45.7% | $134,545-63.3% |
| Participation rate | 94.1% | 78.3%+15.9pp | 75.7%+18.4pp | 81.2%+12.9pp |
| Annual return | -11.77% | -10.99%-0.8pp | -12.16%+0.4pp | 418.37%-430.1pp |
| Employer contribution / active EE | $2,975 | $3,464-14.1% | $2,922+1.8% | $4,742-37.3% |
| Participant deferral / active EE | $4,162 | $5,217-20.2% | $4,565-8.8% | $6,401-35.0% |
| Admin fee / account holder | $355 | $13,938-97.5% | $8,446-95.8% | $11,431-96.9% |