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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 | $49,310 | $93,117-47.0% | $77,096-36.0% | $134,532-63.3% |
| Participation rate | 87.5% | 74.5%+13.0pp | 67.9%+19.6pp | 81.2%+6.3pp |
| Annual return | -18.06% | 62.67%-80.7pp | 42.35%-60.4pp | 418.27%-436.3pp |
| Employer contribution / active EE | $2,331 | $3,420-31.9% | $2,814-17.2% | $4,741-50.8% |
| Participant deferral / active EE | $4,699 | $5,241-10.3% | $4,429+6.1% | $6,401-26.6% |
| Admin fee / account holder | $5,363 | $6,948-22.8% | $5,428-1.2% | $11,429-53.1% |