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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 | $25,112 | $82,288-69.5% | $68,794-63.5% | $134,509-81.3% |
| Participation rate | 91.3% | 75.1%+16.2pp | 69.0%+22.3pp | 81.2%+10.1pp |
| Annual return | -16.92% | -2.19%-14.7pp | -6.37%-10.5pp | 418.13%-435.1pp |
| Employer contribution / active EE | $2,007 | $3,301-39.2% | $2,656-24.4% | $4,741-57.7% |
| Participant deferral / active EE | $4,268 | $4,738-9.9% | $3,941+8.3% | $6,400-33.3% |
| Admin fee / account holder | $8,783 | $6,482+35.5% | $4,934+78.0% | $11,427-23.1% |