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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 | $58,028 | $45,566+27.3% | $64,105-9.5% | $59,633-2.7% |
| Participation rate | 84.3% | 60.2%+24.1pp | 68.2%+16.1pp | 68.7%+15.6pp |
| Annual return | -1.48% | 4.95%-6.4pp | 791.24%-792.7pp | 2041.45%-2042.9pp |
| Employer contribution / active EE | $706 | $934-24.4% | $1,820-61.2% | $2,203-67.9% |
| Participant deferral / active EE | $3,342 | $2,057+62.5% | $2,822+18.4% | $3,192+4.7% |
| Admin fee / account holder | $802 | $3,268-75.5% | $4,499-82.2% | $4,297-81.3% |