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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 | $28,449 | $75,962-62.5% | $154,108-81.5% | $64,173-55.7% |
| Participation rate | 87.2% | 70.4%+16.8pp | 83.0%+4.1pp | 69.6%+17.6pp |
| Annual return | -6.91% | 30.32%-37.2pp | 735.21%-742.1pp | 7.63%-14.5pp |
| Employer contribution / active EE | $2,461 | $3,350-26.5% | $5,298-53.5% | $2,381+3.4% |
| Participant deferral / active EE | $4,074 | $3,175+28.3% | $5,081-19.8% | $3,470+17.4% |
| Admin fee / account holder | $1,974 | $5,589-64.7% | $13,411-85.3% | $4,887-59.6% |