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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 | $18,413 | $57,350-67.9% | $83,850-78.0% | $64,181-71.3% |
| Participation rate | 78.3% | 68.6%+9.7pp | 76.1%+2.1pp | 69.6%+8.7pp |
| Annual return | -7.04% | 11.38%-18.4pp | 850.92%-858.0pp | 7.63%-14.7pp |
| Employer contribution / active EE | $1,204 | $2,545-52.7% | $3,631-66.8% | $2,381-49.4% |
| Participant deferral / active EE | $2,749 | $2,993-8.1% | $4,082-32.6% | $3,470-20.8% |
| Admin fee / account holder | $810 | $4,046-80.0% | $5,478-85.2% | $4,887-83.4% |