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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 | $63,444 | $43,730+45.1% | $121,220-47.7% | $64,173-1.1% |
| Participation rate | 77.4% | 58.3%+19.1pp | 71.8%+5.7pp | 69.6%+7.8pp |
| Annual return | -5.52% | 68.94%-74.5pp | 16.94%-22.5pp | 7.63%-13.1pp |
| Employer contribution / active EE | $2,115 | $1,297+63.1% | $4,023-47.4% | $2,381-11.2% |
| Participant deferral / active EE | $4,886 | $2,281+114.2% | $3,345+46.1% | $3,470+40.8% |
| Admin fee / account holder | $534 | $3,502-84.8% | $5,021-89.4% | $4,887-89.1% |