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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 | $38,365 | $78,423-51.1% | $95,964-60.0% | $79,856-52.0% |
| Participation rate | 90.0% | 73.5%+16.5pp | 77.1%+12.9pp | 69.6%+20.4pp |
| Annual return | 0.00% | 19.37%-19.4pp | 91.64%-91.6pp | 31.71%-31.7pp |
| Employer contribution / active EE | $1,514 | $1,945-22.2% | $2,541-40.4% | $2,471-38.7% |
| Participant deferral / active EE | $5,648 | $3,440+64.2% | $4,167+35.5% | $3,741+51.0% |
| Admin fee / account holder | $847 | $5,622-84.9% | $6,797-87.5% | $5,306-84.0% |