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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 | $66,296 | $95,915-30.9% | $79,580-16.7% | $134,532-50.7% |
| Participation rate | 80.0% | 75.0%+5.0pp | 69.5%+10.5pp | 81.2%-1.2pp |
| Annual return | -18.24% | -2.71%-15.5pp | 0.15%-18.4pp | 418.27%-436.5pp |
| Employer contribution / active EE | $3,717 | $3,129+18.8% | $2,413+54.0% | $4,741-21.6% |
| Participant deferral / active EE | $13,265 | $4,693+182.6% | $3,985+232.8% | $6,401+107.2% |
| Admin fee / account holder | $4,131 | $9,132-54.8% | $6,835-39.6% | $11,429-63.9% |