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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 | $21,384 | $99,032-78.4% | $80,022-73.3% | $135,380-84.2% |
| Participation rate | 92.3% | 78.4%+14.0pp | 75.8%+16.5pp | 82.6%+9.7pp |
| Annual return | -6.41% | 15.39%-21.8pp | 11.22%-17.6pp | 519.81%-526.2pp |
| Employer contribution / active EE | $0 | $3,043-100.0% | $2,468-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $2,969 | $4,282-30.7% | $3,686-19.4% | $5,609-47.1% |
| Admin fee / account holder | $443 | $10,436-95.8% | $6,521-93.2% | $10,828-95.9% |