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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 | $50,557 | $72,404-30.2% | $110,243-54.1% | $64,173-21.2% |
| Participation rate | 94.3% | 73.3%+20.9pp | 79.8%+14.5pp | 69.6%+24.7pp |
| Annual return | -6.20% | -6.29%+0.1pp | 314.76%-321.0pp | 7.63%-13.8pp |
| Employer contribution / active EE | $4,638 | $2,282+103.3% | $3,827+21.2% | $2,381+94.8% |
| Participant deferral / active EE | $3,928 | $3,469+13.2% | $4,672-15.9% | $3,470+13.2% |
| Admin fee / account holder | $443 | $5,664-92.2% | $8,548-94.8% | $4,887-90.9% |