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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 | $36,128 | $72,404-50.1% | $110,243-67.2% | $64,173-43.7% |
| Participation rate | 89.7% | 73.3%+16.3pp | 79.8%+9.8pp | 69.6%+20.1pp |
| Annual return | -4.85% | -6.29%+1.4pp | 314.76%-319.6pp | 7.63%-12.5pp |
| Employer contribution / active EE | $5,134 | $2,282+125.0% | $3,827+34.2% | $2,381+115.7% |
| Participant deferral / active EE | $3,161 | $3,469-8.9% | $4,672-32.3% | $3,470-8.9% |
| Admin fee / account holder | $433 | $5,664-92.4% | $8,548-94.9% | $4,887-91.1% |