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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 | $19,232 | $82,678-76.7% | $125,391-84.7% | $68,490-71.9% |
| Participation rate | 95.7% | 75.1%+20.6pp | 82.4%+13.3pp | 67.9%+27.8pp |
| Annual return | -16.40% | -5.97%-10.4pp | 572.41%-588.8pp | -7.85%-8.6pp |
| Employer contribution / active EE | $2,455 | $3,382-27.4% | $4,816-49.0% | $2,597-5.5% |
| Participant deferral / active EE | $4,620 | $6,111-24.4% | $7,448-38.0% | $4,028+14.7% |
| Admin fee / account holder | $806 | $6,277-87.2% | $10,009-91.9% | $5,403-85.1% |