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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 | $21,744 | $57,350-62.1% | $83,849-74.1% | $64,186-66.1% |
| Participation rate | 82.9% | 68.6%+14.3pp | 76.1%+6.8pp | 69.6%+13.4pp |
| Annual return | -5.93% | 11.38%-17.3pp | 850.91%-856.8pp | 7.63%-13.6pp |
| Employer contribution / active EE | $784 | $2,545-69.2% | $3,631-78.4% | $2,381-67.1% |
| Participant deferral / active EE | $3,203 | $2,993+7.0% | $4,082-21.5% | $3,470-7.7% |
| Admin fee / account holder | $2,784 | $4,046-31.2% | $5,478-49.2% | $4,888-43.0% |