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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 | $158,513 | $54,357+191.6% | $82,706+91.7% | $68,495+131.4% |
| Participation rate | 92.3% | 63.9%+28.4pp | 72.6%+19.8pp | 67.9%+24.4pp |
| Annual return | -18.76% | -13.67%-5.1pp | 701.76%-720.5pp | -7.84%-10.9pp |
| Employer contribution / active EE | $2,738 | $2,218+23.4% | $3,007-9.0% | $2,596+5.5% |
| Participant deferral / active EE | $7,866 | $3,246+142.3% | $4,394+79.0% | $4,028+95.3% |
| Admin fee / account holder | $3,486 | $4,396-20.7% | $5,329-34.6% | $5,403-35.5% |