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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 | $24,676 | $100,792-75.5% | $86,691-71.5% | $134,509-81.7% |
| Participation rate | 92.9% | 78.9%+13.9pp | 76.6%+16.3pp | 81.2%+11.6pp |
| Annual return | -18.57% | 29.08%-47.7pp | 35.94%-54.5pp | 418.13%-436.7pp |
| Employer contribution / active EE | $2,078 | $3,491-40.5% | $2,837-26.7% | $4,741-56.2% |
| Participant deferral / active EE | $2,979 | $5,339-44.2% | $4,656-36.0% | $6,400-53.5% |
| Admin fee / account holder | $3,731 | $10,924-65.8% | $7,492-50.2% | $11,427-67.3% |