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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 | $23,340 | $54,370-57.1% | $82,763-71.8% | $68,490-65.9% |
| Participation rate | 78.6% | 63.9%+14.6pp | 72.6%+6.0pp | 67.9%+10.7pp |
| Annual return | -12.07% | -13.67%+1.6pp | 702.45%-714.5pp | -7.85%-4.2pp |
| Employer contribution / active EE | $2,571 | $2,219+15.9% | $3,008-14.5% | $2,597-1.0% |
| Participant deferral / active EE | $5,252 | $3,247+61.8% | $4,395+19.5% | $4,028+30.4% |
| Admin fee / account holder | $565 | $4,398-87.2% | $5,325-89.4% | $5,403-89.5% |