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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 | $31,246 | $82,674-62.2% | $125,381-75.1% | $68,486-54.4% |
| Participation rate | 98.0% | 75.1%+22.9pp | 82.4%+15.6pp | 67.9%+30.1pp |
| Annual return | -17.44% | -5.97%-11.5pp | 572.31%-589.7pp | -7.85%-9.6pp |
| Employer contribution / active EE | $2,576 | $3,382-23.8% | $4,815-46.5% | $2,597-0.8% |
| Participant deferral / active EE | $7,618 | $6,111+24.7% | $7,448+2.3% | $4,028+89.1% |
| Admin fee / account holder | $1,308 | $6,277-79.2% | $10,007-86.9% | $5,404-75.8% |