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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 | $14,801 | $106,551-86.1% | $91,225-83.8% | $134,532-89.0% |
| Participation rate | 85.0% | 76.8%+8.2pp | 73.2%+11.8pp | 81.2%+3.8pp |
| Annual return | -20.78% | 160.78%-181.6pp | 114.12%-134.9pp | 418.27%-439.0pp |
| Employer contribution / active EE | $1,597 | $3,331-52.1% | $2,851-44.0% | $4,741-66.3% |
| Participant deferral / active EE | $4,523 | $4,718-4.1% | $4,233+6.8% | $6,401-29.3% |
| Admin fee / account holder | $303 | $6,234-95.1% | $5,422-94.4% | $11,429-97.3% |