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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 | $13,962 | $53,546-73.9% | $69,884-80.0% | $68,486-79.6% |
| Participation rate | 81.3% | 64.5%+16.7pp | 70.5%+10.8pp | 67.9%+13.4pp |
| Annual return | -19.22% | -13.87%-5.3pp | 190.81%-210.0pp | -7.85%-11.4pp |
| Employer contribution / active EE | $2,178 | $2,019+7.9% | $2,560-14.9% | $2,597-16.1% |
| Participant deferral / active EE | $3,499 | $2,957+18.3% | $3,848-9.1% | $4,028-13.1% |
| Admin fee / account holder | $999 | $4,693-78.7% | $6,266-84.1% | $5,404-81.5% |