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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 | $52,365 | $78,694-33.5% | $67,652-22.6% | $125,389-58.2% |
| Participation rate | 95.2% | 78.8%+16.4pp | 75.7%+19.6pp | 83.2%+12.0pp |
| Annual return | -1.11% | 9.46%-10.6pp | 6625.40%-6626.5pp | 282.24%-283.4pp |
| Employer contribution / active EE | $2,060 | $3,044-32.3% | $2,266-9.1% | $4,866-57.7% |
| Participant deferral / active EE | $2,732 | $4,292-36.4% | $3,560-23.3% | $5,352-49.0% |
| Admin fee / account holder | $4,004 | $7,403-45.9% | $4,821-16.9% | $9,541-58.0% |