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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 | $42,256 | $75,962-44.4% | $154,108-72.6% | $64,173-34.2% |
| Participation rate | 96.6% | 70.4%+26.1pp | 83.0%+13.5pp | 69.6%+27.0pp |
| Annual return | -5.78% | 30.32%-36.1pp | 735.21%-741.0pp | 7.63%-13.4pp |
| Employer contribution / active EE | $2,980 | $3,350-11.0% | $5,298-43.7% | $2,381+25.2% |
| Participant deferral / active EE | $4,938 | $3,175+55.6% | $5,081-2.8% | $3,470+42.3% |
| Admin fee / account holder | $11,415 | $5,589+104.2% | $13,411-14.9% | $4,887+133.6% |