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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 | $38,872 | $54,357-28.5% | $82,706-53.0% | $68,495-43.2% |
| Participation rate | 94.3% | 63.9%+30.4pp | 72.6%+21.7pp | 67.9%+26.4pp |
| Annual return | -14.11% | -13.67%-0.4pp | 701.76%-715.9pp | -7.84%-6.3pp |
| Employer contribution / active EE | $1,214 | $2,218-45.3% | $3,007-59.6% | $2,596-53.2% |
| Participant deferral / active EE | $3,263 | $3,246+0.5% | $4,394-25.7% | $4,028-19.0% |
| Admin fee / account holder | $3,579 | $4,396-18.6% | $5,329-32.8% | $5,403-33.8% |