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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 | $16,768 | $57,352-70.8% | $83,830-80.0% | $64,173-73.9% |
| Participation rate | 76.7% | 68.6%+8.1pp | 76.1%+0.5pp | 69.6%+7.1pp |
| Annual return | -3.94% | 11.38%-15.3pp | 850.97%-854.9pp | 7.63%-11.6pp |
| Employer contribution / active EE | $549 | $2,546-78.4% | $3,631-84.9% | $2,381-76.9% |
| Participant deferral / active EE | $1,233 | $2,993-58.8% | $4,082-69.8% | $3,470-64.5% |
| Admin fee / account holder | $359 | $4,046-91.1% | $5,479-93.4% | $4,887-92.6% |