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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 | $72,081 | $82,674-12.8% | $125,381-42.5% | $68,486+5.3% |
| Participation rate | 80.0% | 75.1%+4.9pp | 82.4%-2.4pp | 67.9%+12.1pp |
| Annual return | -9.98% | -5.97%-4.0pp | 572.31%-582.3pp | -7.85%-2.1pp |
| Employer contribution / active EE | $4,320 | $3,382+27.7% | $4,815-10.3% | $2,597+66.4% |
| Participant deferral / active EE | $5,131 | $6,111-16.0% | $7,448-31.1% | $4,028+27.4% |
| Admin fee / account holder | $1,017 | $6,277-83.8% | $10,007-89.8% | $5,404-81.2% |