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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 | $47,592 | $57,352-17.0% | $83,830-43.2% | $64,173-25.8% |
| Participation rate | 73.8% | 68.6%+5.2pp | 76.1%-2.4pp | 69.6%+4.2pp |
| Annual return | -2.65% | 11.38%-14.0pp | 850.97%-853.6pp | 7.63%-10.3pp |
| Employer contribution / active EE | $1,394 | $2,546-45.3% | $3,631-61.6% | $2,381-41.5% |
| Participant deferral / active EE | $2,390 | $2,993-20.2% | $4,082-41.5% | $3,470-31.1% |
| Admin fee / account holder | $3,627 | $4,046-10.4% | $5,479-33.8% | $4,887-25.8% |