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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 | $81,661 | $82,678-1.2% | $125,391-34.9% | $68,490+19.2% |
| Participation rate | 91.9% | 75.1%+16.8pp | 82.4%+9.5pp | 67.9%+24.0pp |
| Annual return | -16.73% | -5.97%-10.8pp | 572.41%-589.1pp | -7.85%-8.9pp |
| Employer contribution / active EE | $12,613 | $3,382+272.9% | $4,816+161.9% | $2,597+385.7% |
| Participant deferral / active EE | $2,896 | $6,111-52.6% | $7,448-61.1% | $4,028-28.1% |
| Admin fee / account holder | $427 | $6,277-93.2% | $10,009-95.7% | $5,403-92.1% |