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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 | $124,578 | $54,370+129.1% | $82,763+50.5% | $68,490+81.9% |
| Participation rate | 77.9% | 63.9%+14.0pp | 72.6%+5.3pp | 67.9%+10.0pp |
| Annual return | -14.91% | -13.67%-1.2pp | 702.45%-717.4pp | -7.85%-7.1pp |
| Employer contribution / active EE | $3,376 | $2,219+52.1% | $3,008+12.2% | $2,597+30.0% |
| Participant deferral / active EE | $5,723 | $3,247+76.2% | $4,395+30.2% | $4,028+42.1% |
| Admin fee / account holder | $5,960 | $4,398+35.5% | $5,325+11.9% | $5,403+10.3% |