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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 | $26,152 | $197,819-86.8% | $155,789-83.2% | $125,389-79.1% |
| Participation rate | 86.4% | 82.1%+4.3pp | 76.1%+10.3pp | 83.2%+3.2pp |
| Annual return | -2.73% | 86.73%-89.5pp | 71.54%-74.3pp | 282.24%-285.0pp |
| Employer contribution / active EE | $2,144 | $4,850-55.8% | $3,839-44.2% | $4,866-55.9% |
| Participant deferral / active EE | $3,320 | $5,631-41.0% | $4,798-30.8% | $5,352-38.0% |
| Admin fee / account holder | $739 | $9,544-92.3% | $7,477-90.1% | $9,541-92.3% |