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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 | $36,945 | $84,518-56.3% | $67,704-45.4% | $125,388-70.5% |
| Participation rate | 81.8% | 74.8%+7.0pp | 67.5%+14.3pp | 83.2%-1.4pp |
| Annual return | -1.30% | 2.57%-3.9pp | 25.41%-26.7pp | 282.24%-283.5pp |
| Employer contribution / active EE | $239 | $3,292-92.7% | $2,559-90.6% | $4,866-95.1% |
| Participant deferral / active EE | $1,197 | $4,430-73.0% | $3,585-66.6% | $5,352-77.6% |
| Admin fee / account holder | $349 | $5,340-93.5% | $4,255-91.8% | $9,541-96.3% |