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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 | $32,194 | $45,152-28.7% | $73,836-56.4% | $59,633-46.0% |
| Participation rate | 96.2% | 64.0%+32.2pp | 73.4%+22.8pp | 68.7%+27.6pp |
| Annual return | -0.67% | 27.40%-28.1pp | 2268.06%-2268.7pp | 2041.45%-2042.1pp |
| Employer contribution / active EE | $1,609 | $1,901-15.3% | $2,787-42.3% | $2,203-26.9% |
| Participant deferral / active EE | $1,377 | $2,573-46.5% | $3,583-61.6% | $3,192-56.9% |
| Admin fee / account holder | $2,751 | $3,515-21.7% | $4,882-43.7% | $4,297-36.0% |