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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 | $22,980 | $82,324-72.1% | $68,803-66.6% | $134,545-82.9% |
| Participation rate | 100.0% | 75.1%+24.9pp | 69.0%+31.0pp | 81.2%+18.8pp |
| Annual return | -18.56% | -2.17%-16.4pp | -6.37%-12.2pp | 418.37%-436.9pp |
| Employer contribution / active EE | $4,283 | $3,302+29.7% | $2,656+61.3% | $4,742-9.7% |
| Participant deferral / active EE | $1,872 | $4,740-60.5% | $3,942-52.5% | $6,401-70.8% |
| Admin fee / account holder | $395 | $6,485-93.9% | $4,936-92.0% | $11,431-96.5% |