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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 | $80,067 | $68,996+16.0% | $159,991-50.0% | $68,495+16.9% |
| Participation rate | 96.2% | 65.4%+30.7pp | 78.0%+18.2pp | 67.9%+28.3pp |
| Annual return | -17.19% | -9.65%-7.5pp | 408.82%-426.0pp | -7.84%-9.3pp |
| Employer contribution / active EE | $3,894 | $2,212+76.0% | $4,225-7.8% | $2,596+50.0% |
| Participant deferral / active EE | $8,479 | $4,211+101.4% | $6,183+37.1% | $4,028+110.5% |
| Admin fee / account holder | $894 | $4,797-81.4% | $8,715-89.7% | $5,403-83.5% |