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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 | $35,488 | $45,566-22.1% | $64,105-44.6% | $59,633-40.5% |
| Participation rate | 80.5% | 60.2%+20.3pp | 68.2%+12.3pp | 68.7%+11.8pp |
| Annual return | -2.11% | 4.95%-7.1pp | 791.24%-793.4pp | 2041.45%-2043.6pp |
| Employer contribution / active EE | $457 | $934-51.1% | $1,820-74.9% | $2,203-79.3% |
| Participant deferral / active EE | $2,779 | $2,057+35.1% | $2,822-1.5% | $3,192-12.9% |
| Admin fee / account holder | $850 | $3,268-74.0% | $4,499-81.1% | $4,297-80.2% |