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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 | $26,973 | $75,962-64.5% | $154,111-82.5% | $64,173-58.0% |
| Participation rate | 100.0% | 70.4%+29.6pp | 83.0%+17.0pp | 69.6%+30.4pp |
| Annual return | -5.16% | 30.32%-35.5pp | 735.18%-740.3pp | 7.63%-12.8pp |
| Employer contribution / active EE | $1,558 | $3,350-53.5% | $5,298-70.6% | $2,381-34.6% |
| Participant deferral / active EE | $2,821 | $3,175-11.1% | $5,081-44.5% | $3,470-18.7% |
| Admin fee / account holder | $2,228 | $5,589-60.1% | $13,411-83.4% | $4,887-54.4% |