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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 | $19,609 | $100,805-80.5% | $86,698-77.4% | $134,532-85.4% |
| Participation rate | 88.9% | 79.0%+9.9pp | 76.6%+12.3pp | 81.2%+7.7pp |
| Annual return | -16.53% | 29.09%-45.6pp | 35.95%-52.5pp | 418.27%-434.8pp |
| Employer contribution / active EE | $2,321 | $3,490-33.5% | $2,837-18.2% | $4,741-51.0% |
| Participant deferral / active EE | $5,411 | $5,339+1.4% | $4,656+16.2% | $6,401-15.5% |
| Admin fee / account holder | $484 | $10,925-95.6% | $7,493-93.5% | $11,429-95.8% |