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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 | $40,721 | $82,678-50.7% | $125,391-67.5% | $68,490-40.5% |
| Participation rate | 86.2% | 75.1%+11.1pp | 82.4%+3.8pp | 67.9%+18.3pp |
| Annual return | -17.87% | -5.97%-11.9pp | 572.41%-590.3pp | -7.85%-10.0pp |
| Employer contribution / active EE | $1,199 | $3,382-64.5% | $4,816-75.1% | $2,597-53.8% |
| Participant deferral / active EE | $4,245 | $6,111-30.5% | $7,448-43.0% | $4,028+5.4% |
| Admin fee / account holder | $7,907 | $6,277+26.0% | $10,009-21.0% | $5,403+46.4% |