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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 | $31,447 | $82,674-62.0% | $125,381-74.9% | $68,486-54.1% |
| Participation rate | 90.6% | 75.1%+15.6pp | 82.4%+8.2pp | 67.9%+22.7pp |
| Annual return | -12.51% | -5.97%-6.5pp | 572.31%-584.8pp | -7.85%-4.7pp |
| Employer contribution / active EE | $2,640 | $3,382-21.9% | $4,815-45.2% | $2,597+1.7% |
| Participant deferral / active EE | $3,682 | $6,111-39.7% | $7,448-50.6% | $4,028-8.6% |
| Admin fee / account holder | $2,050 | $6,277-67.3% | $10,007-79.5% | $5,404-62.1% |