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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 | $22,797 | $69,012-67.0% | $160,037-85.8% | $68,490-66.7% |
| Participation rate | 94.4% | 65.4%+29.0pp | 78.0%+16.5pp | 67.9%+26.5pp |
| Annual return | -11.61% | -9.65%-2.0pp | 408.95%-420.6pp | -7.85%-3.8pp |
| Employer contribution / active EE | $1,524 | $2,212-31.1% | $4,226-63.9% | $2,597-41.3% |
| Participant deferral / active EE | $3,699 | $4,212-12.2% | $6,184-40.2% | $4,028-8.2% |
| Admin fee / account holder | $864 | $4,798-82.0% | $8,716-90.1% | $5,403-84.0% |