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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 | $20,572 | $142,409-85.6% | $119,634-82.8% | $134,545-84.7% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.3%+20.7pp | 81.2%+18.8pp |
| Annual return | -14.55% | -12.46%-2.1pp | -14.98%+0.4pp | 418.37%-432.9pp |
| Employer contribution / active EE | $1,679 | $5,224-67.9% | $4,232-60.3% | $4,742-64.6% |
| Participant deferral / active EE | $4,444 | $6,468-31.3% | $5,601-20.7% | $6,401-30.6% |
| Admin fee / account holder | $1,158 | $13,594-91.5% | $10,329-88.8% | $11,431-89.9% |