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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 | $43,301 | $54,370-20.4% | $82,763-47.7% | $68,490-36.8% |
| Participation rate | 78.0% | 63.9%+14.1pp | 72.6%+5.5pp | 67.9%+10.2pp |
| Annual return | -15.98% | -13.67%-2.3pp | 702.45%-718.4pp | -7.85%-8.1pp |
| Employer contribution / active EE | $3,335 | $2,219+50.3% | $3,008+10.9% | $2,597+28.4% |
| Participant deferral / active EE | $1,932 | $3,247-40.5% | $4,395-56.0% | $4,028-52.0% |
| Admin fee / account holder | $4,425 | $4,398+0.6% | $5,325-16.9% | $5,403-18.1% |