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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 | $22,615 | $82,674-72.6% | $125,381-82.0% | $68,486-67.0% |
| Participation rate | 79.3% | 75.1%+4.3pp | 82.4%-3.1pp | 67.9%+11.4pp |
| Annual return | -15.57% | -5.97%-9.6pp | 572.31%-587.9pp | -7.85%-7.7pp |
| Employer contribution / active EE | $1,993 | $3,382-41.1% | $4,815-58.6% | $2,597-23.2% |
| Participant deferral / active EE | $3,882 | $6,111-36.5% | $7,448-47.9% | $4,028-3.6% |
| Admin fee / account holder | $836 | $6,277-86.7% | $10,007-91.6% | $5,404-84.5% |