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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 | $50,790 | $44,850+13.2% | $60,547-16.1% | $59,633-14.8% |
| Participation rate | 70.2% | 59.5%+10.7pp | 68.0%+2.3pp | 68.7%+1.5pp |
| Annual return | -1.98% | 1074.14%-1076.1pp | 335.64%-337.6pp | 2041.45%-2043.4pp |
| Employer contribution / active EE | $844 | $1,462-42.3% | $2,419-65.1% | $2,203-61.7% |
| Participant deferral / active EE | $2,641 | $2,230+18.4% | $3,328-20.7% | $3,192-17.3% |
| Admin fee / account holder | $6,687 | $3,635+83.9% | $4,536+47.4% | $4,297+55.6% |