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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 | $45,926 | $75,962-39.5% | $154,108-70.2% | $64,173-28.4% |
| Participation rate | 92.7% | 70.4%+22.3pp | 83.0%+9.6pp | 69.6%+23.1pp |
| Annual return | -5.76% | 30.32%-36.1pp | 735.21%-741.0pp | 7.63%-13.4pp |
| Employer contribution / active EE | $2,272 | $3,350-32.2% | $5,298-57.1% | $2,381-4.6% |
| Participant deferral / active EE | $2,507 | $3,175-21.0% | $5,081-50.7% | $3,470-27.8% |
| Admin fee / account holder | $557 | $5,589-90.0% | $13,411-95.8% | $4,887-88.6% |