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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 | $34,306 | $53,546-35.9% | $69,890-50.9% | $68,490-49.9% |
| Participation rate | 100.0% | 64.5%+35.5pp | 70.5%+29.5pp | 67.9%+32.1pp |
| Annual return | -16.80% | -13.87%-2.9pp | 190.84%-207.6pp | -7.85%-9.0pp |
| Employer contribution / active EE | $5,558 | $2,019+175.3% | $2,560+117.1% | $2,597+114.0% |
| Participant deferral / active EE | $7,178 | $2,957+142.8% | $3,848+86.5% | $4,028+78.2% |
| Admin fee / account holder | $1,953 | $4,693-58.4% | $6,267-68.8% | $5,403-63.9% |