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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 | $84,633 | $59,107+43.2% | $86,439-2.1% | $68,495+23.6% |
| Participation rate | 86.7% | 75.2%+11.4pp | 80.3%+6.3pp | 67.9%+18.8pp |
| Annual return | -16.54% | -0.23%-16.3pp | 4395.55%-4412.1pp | -7.84%-8.7pp |
| Employer contribution / active EE | $3,593 | $2,519+42.6% | $3,769-4.7% | $2,596+38.4% |
| Participant deferral / active EE | $8,910 | $5,901+51.0% | $6,952+28.2% | $4,028+121.2% |
| Admin fee / account holder | $10,190 | $5,637+80.8% | $6,732+51.4% | $5,403+88.6% |