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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 | $48,189 | $45,566+5.8% | $64,105-24.8% | $59,633-19.2% |
| Participation rate | 80.0% | 60.2%+19.8pp | 68.2%+11.8pp | 68.7%+11.3pp |
| Annual return | -1.28% | 4.95%-6.2pp | 791.24%-792.5pp | 2041.45%-2042.7pp |
| Employer contribution / active EE | $691 | $934-26.1% | $1,820-62.1% | $2,203-68.7% |
| Participant deferral / active EE | $2,755 | $2,057+33.9% | $2,822-2.4% | $3,192-13.7% |
| Admin fee / account holder | $3,164 | $3,268-3.2% | $4,499-29.7% | $4,297-26.4% |