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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 | $70,988 | $49,177+44.4% | $79,467-10.7% | $64,173+10.6% |
| Participation rate | 87.8% | 65.0%+22.7pp | 73.3%+14.4pp | 69.6%+18.2pp |
| Annual return | -7.77% | -1.16%-6.6pp | 718.30%-726.1pp | 7.63%-15.4pp |
| Employer contribution / active EE | $9,198 | $2,076+343.0% | $2,800+228.5% | $2,381+286.3% |
| Participant deferral / active EE | $11,860 | $2,821+320.4% | $3,704+220.2% | $3,470+241.8% |
| Admin fee / account holder | $2,846 | $3,839-25.9% | $5,104-44.2% | $4,887-41.8% |