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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 | $38,002 | $95,915-60.4% | $79,580-52.2% | $134,532-71.8% |
| Participation rate | 95.2% | 75.0%+20.2pp | 69.5%+25.7pp | 81.2%+14.0pp |
| Annual return | -18.29% | -2.71%-15.6pp | 0.15%-18.4pp | 418.27%-436.6pp |
| Employer contribution / active EE | $1,740 | $3,129-44.4% | $2,413-27.9% | $4,741-63.3% |
| Participant deferral / active EE | $2,034 | $4,693-56.7% | $3,985-49.0% | $6,401-68.2% |
| Admin fee / account holder | $566 | $9,132-93.8% | $6,835-91.7% | $11,429-95.0% |