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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 | $22,077 | $117,694-81.2% | $71,755-69.2% | $134,532-83.6% |
| Participation rate | 72.7% | 68.8%+3.9pp | 62.3%+10.4pp | 81.2%-8.5pp |
| Annual return | -17.30% | 25.33%-42.6pp | 9.09%-26.4pp | 418.27%-435.6pp |
| Employer contribution / active EE | $8,565 | $2,523+239.5% | $1,704+402.8% | $4,741+80.7% |
| Participant deferral / active EE | $3,275 | $3,753-12.7% | $2,656+23.3% | $6,401-48.8% |
| Admin fee / account holder | $531 | $6,374-91.7% | $3,972-86.6% | $11,429-95.4% |