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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 | $67,012 | $82,674-18.9% | $125,363-46.5% | $68,495-2.2% |
| Participation rate | 86.1% | 75.0%+11.1pp | 82.4%+3.7pp | 67.9%+18.2pp |
| Annual return | -14.35% | -5.97%-8.4pp | 572.15%-586.5pp | -7.84%-6.5pp |
| Employer contribution / active EE | $2,820 | $3,382-16.6% | $4,815-41.4% | $2,596+8.6% |
| Participant deferral / active EE | $7,199 | $6,111+17.8% | $7,447-3.3% | $4,028+78.7% |
| Admin fee / account holder | $765 | $6,276-87.8% | $10,005-92.4% | $5,403-85.8% |