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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 | $24,497 | $56,197-56.4% | $67,652-63.8% | $59,633-58.9% |
| Participation rate | 88.1% | 71.5%+16.6pp | 75.7%+12.4pp | 68.7%+19.4pp |
| Annual return | -1.40% | 18508.10%-18509.5pp | 6625.40%-6626.8pp | 2041.45%-2042.8pp |
| Employer contribution / active EE | $1,800 | $1,615+11.5% | $2,266-20.6% | $2,203-18.3% |
| Participant deferral / active EE | $2,641 | $2,844-7.1% | $3,560-25.8% | $3,192-17.3% |
| Admin fee / account holder | $2,383 | $3,958-39.8% | $4,821-50.6% | $4,297-44.5% |