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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 | $23,711 | $82,678-71.3% | $125,391-81.1% | $68,490-65.4% |
| Participation rate | 76.7% | 75.1%+1.6pp | 82.4%-5.7pp | 67.9%+8.8pp |
| Annual return | -16.90% | -5.97%-10.9pp | 572.41%-589.3pp | -7.85%-9.0pp |
| Employer contribution / active EE | $1,515 | $3,382-55.2% | $4,816-68.5% | $2,597-41.7% |
| Participant deferral / active EE | $4,320 | $6,111-29.3% | $7,448-42.0% | $4,028+7.3% |
| Admin fee / account holder | $2,012 | $6,277-67.9% | $10,009-79.9% | $5,403-62.8% |