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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 | $122,752 | $82,674+48.5% | $125,381-2.1% | $68,486+79.2% |
| Participation rate | 77.8% | 75.1%+2.7pp | 82.4%-4.6pp | 67.9%+9.9pp |
| Annual return | -14.83% | -5.97%-8.9pp | 572.31%-587.1pp | -7.85%-7.0pp |
| Employer contribution / active EE | $1,387 | $3,382-59.0% | $4,815-71.2% | $2,597-46.6% |
| Participant deferral / active EE | $5,693 | $6,111-6.8% | $7,448-23.6% | $4,028+41.4% |
| Admin fee / account holder | $1,078 | $6,277-82.8% | $10,007-89.2% | $5,404-80.1% |