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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 | $26,039 | $100,811-74.2% | $86,698-70.0% | $134,545-80.6% |
| Participation rate | 89.5% | 79.0%+10.5pp | 76.6%+12.9pp | 81.2%+8.2pp |
| Annual return | -18.10% | 29.11%-47.2pp | 35.96%-54.1pp | 418.37%-436.5pp |
| Employer contribution / active EE | $3,404 | $3,490-2.5% | $2,837+20.0% | $4,742-28.2% |
| Participant deferral / active EE | $5,373 | $5,339+0.6% | $4,656+15.4% | $6,401-16.1% |
| Admin fee / account holder | $1,634 | $10,926-85.0% | $7,492-78.2% | $11,431-85.7% |