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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 | $22,735 | $100,792-77.4% | $86,691-73.8% | $134,509-83.1% |
| Participation rate | 89.5% | 78.9%+10.5pp | 76.6%+12.9pp | 81.2%+8.2pp |
| Annual return | -15.81% | 29.08%-44.9pp | 35.94%-51.8pp | 418.13%-433.9pp |
| Employer contribution / active EE | $2,069 | $3,491-40.7% | $2,837-27.1% | $4,741-56.4% |
| Participant deferral / active EE | $4,941 | $5,339-7.4% | $4,656+6.1% | $6,400-22.8% |
| Admin fee / account holder | $931 | $10,924-91.5% | $7,492-87.6% | $11,427-91.9% |