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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 | $53,709 | $54,239-1.0% | $70,098-23.4% | $68,495-21.6% |
| Participation rate | 93.8% | 64.5%+29.2pp | 70.5%+23.3pp | 67.9%+25.9pp |
| Annual return | -18.35% | -13.87%-4.5pp | 190.76%-209.1pp | -7.84%-10.5pp |
| Employer contribution / active EE | $2,962 | $2,019+46.7% | $2,560+15.7% | $2,596+14.1% |
| Participant deferral / active EE | $2,384 | $2,957-19.4% | $3,849-38.1% | $4,028-40.8% |
| Admin fee / account holder | $3,529 | $4,691-24.8% | $6,266-43.7% | $5,403-34.7% |