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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 | $29,338 | $45,152-35.0% | $73,836-60.3% | $59,633-50.8% |
| Participation rate | 89.3% | 64.0%+25.3pp | 73.4%+15.8pp | 68.7%+20.6pp |
| Annual return | -1.22% | 27.40%-28.6pp | 2268.06%-2269.3pp | 2041.45%-2042.7pp |
| Employer contribution / active EE | $684 | $1,901-64.0% | $2,787-75.5% | $2,203-68.9% |
| Participant deferral / active EE | $2,737 | $2,573+6.4% | $3,583-23.6% | $3,192-14.2% |
| Admin fee / account holder | $1,904 | $3,515-45.8% | $4,882-61.0% | $4,297-55.7% |