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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 | $89,522 | $99,644-10.2% | $86,438+3.6% | $134,532-33.5% |
| Participation rate | 95.7% | 82.1%+13.6pp | 80.3%+15.3pp | 81.2%+14.4pp |
| Annual return | -17.28% | 6787.26%-6804.5pp | 4397.19%-4414.5pp | 418.27%-435.5pp |
| Employer contribution / active EE | $3,508 | $4,402-20.3% | $3,769-6.9% | $4,741-26.0% |
| Participant deferral / active EE | $7,301 | $7,247+0.7% | $6,952+5.0% | $6,401+14.1% |
| Admin fee / account holder | $2,570 | $8,375-69.3% | $6,733-61.8% | $11,429-77.5% |