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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 | $61,220 | $75,962-19.4% | $154,108-60.3% | $64,173-4.6% |
| Participation rate | 75.0% | 70.4%+4.6pp | 83.0%-8.0pp | 69.6%+5.4pp |
| Annual return | -2.50% | 30.32%-32.8pp | 735.21%-737.7pp | 7.63%-10.1pp |
| Employer contribution / active EE | $1,669 | $3,350-50.2% | $5,298-68.5% | $2,381-29.9% |
| Participant deferral / active EE | $4,799 | $3,175+51.2% | $5,081-5.5% | $3,470+38.3% |
| Admin fee / account holder | $2,114 | $5,589-62.2% | $13,411-84.2% | $4,887-56.7% |