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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 | $17,877 | $75,935-76.5% | $60,547-70.5% | $125,388-85.7% |
| Participation rate | 83.3% | 76.5%+6.8pp | 68.0%+15.4pp | 83.2%+0.1pp |
| Annual return | -2.82% | -5.38%+2.6pp | 335.64%-338.5pp | 282.24%-285.1pp |
| Employer contribution / active EE | $1,016 | $3,438-70.4% | $2,419-58.0% | $4,866-79.1% |
| Participant deferral / active EE | $3,971 | $4,506-11.9% | $3,328+19.3% | $5,352-25.8% |
| Admin fee / account holder | $984 | $6,768-85.5% | $4,536-78.3% | $9,541-89.7% |