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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 | $41,297 | $49,471-16.5% | $79,583-48.1% | $66,949-38.3% |
| Participation rate | 88.5% | 61.4%+27.2pp | 69.5%+19.0pp | 69.8%+18.7pp |
| Annual return | -14.97% | 84.30%-99.3pp | 0.16%-15.1pp | 1.57%-16.5pp |
| Employer contribution / active EE | $2,987 | $1,266+136.0% | $2,414+23.8% | $2,545+17.4% |
| Participant deferral / active EE | $4,448 | $3,160+40.8% | $3,986+11.6% | $4,239+4.9% |
| Admin fee / account holder | $1,789 | $595+200.8% | $6,835-73.8% | $594+201.4% |