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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 | $44,419 | $82,674-46.3% | $125,381-64.6% | $68,486-35.1% |
| Participation rate | 70.2% | 75.1%-4.8pp | 82.4%-12.2pp | 67.9%+2.3pp |
| Annual return | -12.22% | -5.97%-6.2pp | 572.31%-584.5pp | -7.85%-4.4pp |
| Employer contribution / active EE | $3,687 | $3,382+9.0% | $4,815-23.4% | $2,597+42.0% |
| Participant deferral / active EE | $6,598 | $6,111+8.0% | $7,448-11.4% | $4,028+63.8% |
| Admin fee / account holder | $2,237 | $6,277-64.4% | $10,007-77.6% | $5,404-58.6% |