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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 | $24,692 | $167,353-85.2% | $143,797-82.8% | $134,545-81.6% |
| Participation rate | 85.7% | 84.8%+0.9pp | 80.3%+5.4pp | 81.2%+4.5pp |
| Annual return | -18.23% | 0.48%-18.7pp | -0.04%-18.2pp | 418.37%-436.6pp |
| Employer contribution / active EE | $2,228 | $5,620-60.4% | $4,952-55.0% | $4,742-53.0% |
| Participant deferral / active EE | $3,364 | $6,447-47.8% | $5,638-40.3% | $6,401-47.5% |
| Admin fee / account holder | $520 | $18,096-97.1% | $14,679-96.5% | $11,431-95.5% |