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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 | $29,069 | $54,353-46.5% | $82,726-64.9% | $68,498-57.6% |
| Participation rate | 76.9% | 63.9%+13.0pp | 72.6%+4.4pp | 67.9%+9.0pp |
| Annual return | -15.60% | -13.67%-1.9pp | 701.33%-716.9pp | -7.84%-7.8pp |
| Employer contribution / active EE | $3,132 | $2,218+41.2% | $3,009+4.1% | $2,596+20.6% |
| Participant deferral / active EE | $7,278 | $3,246+124.2% | $4,394+65.6% | $4,027+80.7% |
| Admin fee / account holder | $4,749 | $4,396+8.0% | $5,328-10.9% | $5,403-12.1% |