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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 | $47,518 | $135,645-65.0% | $110,243-56.9% | $135,380-64.9% |
| Participation rate | 95.7% | 83.5%+12.2pp | 79.8%+15.8pp | 82.6%+13.0pp |
| Annual return | -7.66% | 513.24%-520.9pp | 314.76%-322.4pp | 519.81%-527.5pp |
| Employer contribution / active EE | $3,194 | $4,907-34.9% | $3,827-16.5% | $4,779-33.2% |
| Participant deferral / active EE | $7,309 | $5,507+32.7% | $4,672+56.4% | $5,609+30.3% |
| Admin fee / account holder | $2,074 | $11,458-81.9% | $8,548-75.7% | $10,828-80.8% |