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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 | $48,409 | $75,962-36.3% | $154,108-68.6% | $64,173-24.6% |
| Participation rate | 75.7% | 70.4%+5.3pp | 83.0%-7.3pp | 69.6%+6.1pp |
| Annual return | -4.93% | 30.32%-35.3pp | 735.21%-740.1pp | 7.63%-12.6pp |
| Employer contribution / active EE | $1,020 | $3,350-69.5% | $5,298-80.7% | $2,381-57.1% |
| Participant deferral / active EE | $2,416 | $3,175-23.9% | $5,081-52.4% | $3,470-30.4% |
| Admin fee / account holder | $719 | $5,589-87.1% | $13,411-94.6% | $4,887-85.3% |