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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 | $15,758 | $69,012-77.2% | $160,009-90.2% | $68,486-77.0% |
| Participation rate | 94.6% | 65.4%+29.2pp | 78.0%+16.6pp | 67.9%+26.7pp |
| Annual return | -9.21% | -9.65%+0.4pp | 408.85%-418.1pp | -7.85%-1.4pp |
| Employer contribution / active EE | $1,746 | $2,212-21.1% | $4,225-58.7% | $2,597-32.7% |
| Participant deferral / active EE | $3,010 | $4,212-28.5% | $6,183-51.3% | $4,028-25.3% |
| Admin fee / account holder | $584 | $4,798-87.8% | $8,715-93.3% | $5,404-89.2% |