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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 | $96,403 | $48,274+99.7% | $63,244+52.4% | $59,633+61.7% |
| Participation rate | 89.2% | 66.3%+22.9pp | 71.0%+18.1pp | 68.7%+20.5pp |
| Annual return | 1.56% | -240.79%+242.3pp | -70.31%+71.9pp | 2041.45%-2039.9pp |
| Employer contribution / active EE | $1,326 | $1,586-16.4% | $2,322-42.9% | $2,203-39.8% |
| Participant deferral / active EE | $3,321 | $2,343+41.8% | $2,953+12.4% | $3,192+4.1% |
| Admin fee / account holder | $1,138 | $3,600-68.4% | $5,893-80.7% | $4,297-73.5% |