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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 | $54,004 | $82,674-34.7% | $125,381-56.9% | $68,486-21.1% |
| Participation rate | 85.3% | 75.1%+10.2pp | 82.4%+2.9pp | 67.9%+17.4pp |
| Annual return | -16.46% | -5.97%-10.5pp | 572.31%-588.8pp | -7.85%-8.6pp |
| Employer contribution / active EE | $2,913 | $3,382-13.9% | $4,815-39.5% | $2,597+12.2% |
| Participant deferral / active EE | $5,766 | $6,111-5.6% | $7,448-22.6% | $4,028+43.2% |
| Admin fee / account holder | $1,961 | $6,277-68.8% | $10,007-80.4% | $5,404-63.7% |