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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 | $33,209 | $82,678-59.8% | $125,391-73.5% | $68,490-51.5% |
| Participation rate | 88.2% | 75.1%+13.2pp | 82.4%+5.9pp | 67.9%+20.3pp |
| Annual return | -11.31% | -5.97%-5.3pp | 572.41%-583.7pp | -7.85%-3.5pp |
| Employer contribution / active EE | $789 | $3,382-76.7% | $4,816-83.6% | $2,597-69.6% |
| Participant deferral / active EE | $3,128 | $6,111-48.8% | $7,448-58.0% | $4,028-22.3% |
| Admin fee / account holder | $1,533 | $6,277-75.6% | $10,009-84.7% | $5,403-71.6% |