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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 | $62,234 | $48,274+28.9% | $63,244-1.6% | $59,633+4.4% |
| Participation rate | 91.5% | 66.3%+25.2pp | 71.0%+20.5pp | 68.7%+22.9pp |
| Annual return | 0.56% | -240.79%+241.3pp | -70.31%+70.9pp | 2041.45%-2040.9pp |
| Employer contribution / active EE | $3,858 | $1,586+143.2% | $2,322+66.2% | $2,203+75.2% |
| Participant deferral / active EE | $3,675 | $2,343+56.9% | $2,953+24.4% | $3,192+15.1% |
| Admin fee / account holder | $1,174 | $3,600-67.4% | $5,893-80.1% | $4,297-72.7% |