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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 | $19,793 | $57,352-65.5% | $83,830-76.4% | $64,173-69.2% |
| Participation rate | 90.4% | 68.6%+21.8pp | 76.1%+14.2pp | 69.6%+20.8pp |
| Annual return | -8.00% | 11.38%-19.4pp | 850.97%-859.0pp | 7.63%-15.6pp |
| Employer contribution / active EE | $2,004 | $2,546-21.3% | $3,631-44.8% | $2,381-15.8% |
| Participant deferral / active EE | $2,427 | $2,993-18.9% | $4,082-40.5% | $3,470-30.0% |
| Admin fee / account holder | $2,903 | $4,046-28.3% | $5,479-47.0% | $4,887-40.6% |