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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 | $53,928 | $95,917-43.8% | $79,583-32.2% | $134,545-59.9% |
| Participation rate | 100.0% | 75.0%+25.0pp | 69.5%+30.5pp | 81.2%+18.8pp |
| Annual return | -17.40% | -2.70%-14.7pp | 0.16%-17.6pp | 418.37%-435.8pp |
| Employer contribution / active EE | $7,972 | $3,129+154.8% | $2,414+230.3% | $4,742+68.1% |
| Participant deferral / active EE | $3,733 | $4,694-20.5% | $3,986-6.4% | $6,401-41.7% |
| Admin fee / account holder | $4,341 | $9,132-52.5% | $6,835-36.5% | $11,431-62.0% |