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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 | $23,176 | $82,674-72.0% | $125,381-81.5% | $68,486-66.2% |
| Participation rate | 89.8% | 75.1%+14.7pp | 82.4%+7.4pp | 67.9%+21.9pp |
| Annual return | -16.55% | -5.97%-10.6pp | 572.31%-588.9pp | -7.85%-8.7pp |
| Employer contribution / active EE | $3,387 | $3,382+0.2% | $4,815-29.7% | $2,597+30.5% |
| Participant deferral / active EE | $5,421 | $6,111-11.3% | $7,448-27.2% | $4,028+34.6% |
| Admin fee / account holder | $2,127 | $6,277-66.1% | $10,007-78.7% | $5,404-60.6% |