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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 | $43,328 | $82,678-47.6% | $125,391-65.4% | $68,490-36.7% |
| Participation rate | 87.5% | 75.1%+12.4pp | 82.4%+5.1pp | 67.9%+19.6pp |
| Annual return | -13.66% | -5.97%-7.7pp | 572.41%-586.1pp | -7.85%-5.8pp |
| Employer contribution / active EE | $4,051 | $3,382+19.8% | $4,816-15.9% | $2,597+56.0% |
| Participant deferral / active EE | $10,910 | $6,111+78.5% | $7,448+46.5% | $4,028+170.9% |
| Admin fee / account holder | $1,833 | $6,277-70.8% | $10,009-81.7% | $5,403-66.1% |