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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 | $32,756 | $39,245-16.5% | $64,105-48.9% | $52,331-37.4% |
| Participation rate | 80.4% | 58.2%+22.1pp | 68.2%+12.2pp | 68.1%+12.3pp |
| Annual return | -0.12% | 14.79%-14.9pp | 791.24%-791.4pp | 4.54%-4.7pp |
| Employer contribution / active EE | $2,285 | $736+210.4% | $1,820+25.5% | $1,882+21.4% |
| Participant deferral / active EE | $2,744 | $1,992+37.8% | $2,822-2.8% | $3,022-9.2% |
| Admin fee / account holder | $2,617 | $592+341.7% | $4,499-41.8% | $592+342.4% |