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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 | $61,280 | $82,674-25.9% | $125,381-51.1% | $68,486-10.5% |
| Participation rate | 97.2% | 75.1%+22.2pp | 82.4%+14.8pp | 67.9%+29.3pp |
| Annual return | -19.14% | -5.97%-13.2pp | 572.31%-591.4pp | -7.85%-11.3pp |
| Employer contribution / active EE | $3,068 | $3,382-9.3% | $4,815-36.3% | $2,597+18.1% |
| Participant deferral / active EE | $6,464 | $6,111+5.8% | $7,448-13.2% | $4,028+60.5% |
| Admin fee / account holder | $4,452 | $6,277-29.1% | $10,007-55.5% | $5,404-17.6% |