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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 | $32,110 | $95,917-66.5% | $79,583-59.7% | $134,545-76.1% |
| Participation rate | 100.0% | 75.0%+25.0pp | 69.5%+30.5pp | 81.2%+18.8pp |
| Annual return | -16.70% | -2.70%-14.0pp | 0.16%-16.9pp | 418.37%-435.1pp |
| Employer contribution / active EE | $1,825 | $3,129-41.7% | $2,414-24.4% | $4,742-61.5% |
| Participant deferral / active EE | $7,434 | $4,694+58.4% | $3,986+86.5% | $6,401+16.1% |
| Admin fee / account holder | $4,053 | $9,132-55.6% | $6,835-40.7% | $11,431-64.5% |