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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 | $74,457 | $82,674-9.9% | $125,381-40.6% | $68,486+8.7% |
| Participation rate | 76.3% | 75.1%+1.3pp | 82.4%-6.1pp | 67.9%+8.4pp |
| Annual return | -9.52% | -5.97%-3.5pp | 572.31%-581.8pp | -7.85%-1.7pp |
| Employer contribution / active EE | $1,631 | $3,382-51.8% | $4,815-66.1% | $2,597-37.2% |
| Participant deferral / active EE | $4,433 | $6,111-27.5% | $7,448-40.5% | $4,028+10.1% |
| Admin fee / account holder | $2,871 | $6,277-54.3% | $10,007-71.3% | $5,404-46.9% |