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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 | $44,959 | $54,370-17.3% | $82,763-45.7% | $68,490-34.4% |
| Participation rate | 76.0% | 63.9%+12.1pp | 72.6%+3.4pp | 67.9%+8.1pp |
| Annual return | -15.20% | -13.67%-1.5pp | 702.45%-717.6pp | -7.85%-7.3pp |
| Employer contribution / active EE | $1,721 | $2,219-22.4% | $3,008-42.8% | $2,597-33.7% |
| Participant deferral / active EE | $2,845 | $3,247-12.4% | $4,395-35.3% | $4,028-29.4% |
| Admin fee / account holder | $1,865 | $4,398-57.6% | $5,325-65.0% | $5,403-65.5% |