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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 | $17,013 | $53,546-68.2% | $69,884-75.7% | $68,486-75.2% |
| Participation rate | 100.0% | 64.5%+35.5pp | 70.5%+29.5pp | 67.9%+32.1pp |
| Annual return | -17.17% | -13.87%-3.3pp | 190.81%-208.0pp | -7.85%-9.3pp |
| Employer contribution / active EE | $2,139 | $2,019+6.0% | $2,560-16.4% | $2,597-17.6% |
| Participant deferral / active EE | $4,000 | $2,957+35.3% | $3,848+4.0% | $4,028-0.7% |
| Admin fee / account holder | $376 | $4,693-92.0% | $6,266-94.0% | $5,404-93.0% |