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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 | $24,874 | $95,915-74.1% | $79,580-68.7% | $134,532-81.5% |
| Participation rate | 77.8% | 75.0%+2.7pp | 69.5%+8.3pp | 81.2%-3.5pp |
| Annual return | -20.04% | -2.71%-17.3pp | 0.15%-20.2pp | 418.27%-438.3pp |
| Employer contribution / active EE | $3,653 | $3,129+16.8% | $2,413+51.4% | $4,741-23.0% |
| Participant deferral / active EE | $6,113 | $4,693+30.2% | $3,985+53.4% | $6,401-4.5% |
| Admin fee / account holder | $745 | $9,132-91.8% | $6,835-89.1% | $11,429-93.5% |