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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 | $35,827 | $82,288-56.5% | $68,794-47.9% | $134,509-73.4% |
| Participation rate | 81.8% | 75.1%+6.8pp | 69.0%+12.8pp | 81.2%+0.6pp |
| Annual return | -16.84% | -2.19%-14.7pp | -6.37%-10.5pp | 418.13%-435.0pp |
| Employer contribution / active EE | $2,304 | $3,301-30.2% | $2,656-13.2% | $4,741-51.4% |
| Participant deferral / active EE | $4,079 | $4,738-13.9% | $3,941+3.5% | $6,400-36.3% |
| Admin fee / account holder | $503 | $6,482-92.2% | $4,934-89.8% | $11,427-95.6% |