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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 | $30,463 | $82,678-63.2% | $125,391-75.7% | $68,490-55.5% |
| Participation rate | 96.3% | 75.1%+21.2pp | 82.4%+13.9pp | 67.9%+28.4pp |
| Annual return | -18.88% | -5.97%-12.9pp | 572.41%-591.3pp | -7.85%-11.0pp |
| Employer contribution / active EE | $2,274 | $3,382-32.8% | $4,816-52.8% | $2,597-12.4% |
| Participant deferral / active EE | $12,074 | $6,111+97.6% | $7,448+62.1% | $4,028+199.8% |
| Admin fee / account holder | $2,340 | $6,277-62.7% | $10,009-76.6% | $5,403-56.7% |