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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 | $91,039 | $82,674+10.1% | $125,363-27.4% | $68,495+32.9% |
| Participation rate | 77.8% | 75.0%+2.7pp | 82.4%-4.6pp | 67.9%+9.9pp |
| Annual return | -17.43% | -5.97%-11.5pp | 572.15%-589.6pp | -7.84%-9.6pp |
| Employer contribution / active EE | $1,131 | $3,382-66.6% | $4,815-76.5% | $2,596-56.4% |
| Participant deferral / active EE | $8,452 | $6,111+38.3% | $7,447+13.5% | $4,028+109.8% |
| Admin fee / account holder | $8,044 | $6,276+28.2% | $10,005-19.6% | $5,403+48.9% |