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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 | $78,637 | $57,352+37.1% | $83,831-6.2% | $64,173+22.5% |
| Participation rate | 73.5% | 68.6%+4.9pp | 76.1%-2.6pp | 69.6%+4.0pp |
| Annual return | -7.57% | 11.38%-19.0pp | 850.99%-858.6pp | 7.63%-15.2pp |
| Employer contribution / active EE | $3,780 | $2,546+48.5% | $3,631+4.1% | $2,381+58.8% |
| Participant deferral / active EE | $7,914 | $2,993+164.4% | $4,082+93.9% | $3,470+128.1% |
| Admin fee / account holder | $1,226 | $4,046-69.7% | $5,479-77.6% | $4,887-74.9% |