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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 | $29,978 | $82,314-63.6% | $68,808-56.4% | $134,532-77.7% |
| Participation rate | 84.2% | 75.1%+9.2pp | 69.0%+15.2pp | 81.2%+3.0pp |
| Annual return | -20.01% | -2.18%-17.8pp | -6.37%-13.6pp | 418.27%-438.3pp |
| Employer contribution / active EE | $2,128 | $3,301-35.5% | $2,656-19.9% | $4,741-55.1% |
| Participant deferral / active EE | $8,008 | $4,740+69.0% | $3,942+103.1% | $6,401+25.1% |
| Admin fee / account holder | $342 | $6,484-94.7% | $4,936-93.1% | $11,429-97.0% |