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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 | $45,037 | $56,200-19.9% | $67,653-33.4% | $59,633-24.5% |
| Participation rate | 92.6% | 71.5%+21.1pp | 75.7%+16.9pp | 68.7%+23.9pp |
| Annual return | -1.70% | 18506.71%-18508.4pp | 6625.22%-6626.9pp | 2041.40%-2043.1pp |
| Employer contribution / active EE | $2,098 | $1,615+30.0% | $2,266-7.4% | $2,203-4.7% |
| Participant deferral / active EE | $3,011 | $2,843+5.9% | $3,560-15.4% | $3,192-5.6% |
| Admin fee / account holder | $5,032 | $3,959+27.1% | $4,821+4.4% | $4,297+17.1% |