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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 | $63,546 | $82,678-23.1% | $125,391-49.3% | $68,490-7.2% |
| Participation rate | 91.4% | 75.1%+16.3pp | 82.4%+9.0pp | 67.9%+23.5pp |
| Annual return | -14.32% | -5.97%-8.4pp | 572.41%-586.7pp | -7.85%-6.5pp |
| Employer contribution / active EE | $1,724 | $3,382-49.0% | $4,816-64.2% | $2,597-33.6% |
| Participant deferral / active EE | $11,294 | $6,111+84.8% | $7,448+51.6% | $4,028+180.4% |
| Admin fee / account holder | $2,564 | $6,277-59.2% | $10,009-74.4% | $5,403-52.6% |