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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 | $56,901 | $82,678-31.2% | $125,391-54.6% | $68,490-16.9% |
| Participation rate | 94.5% | 75.1%+19.5pp | 82.4%+12.1pp | 67.9%+26.6pp |
| Annual return | -18.35% | -5.97%-12.4pp | 572.41%-590.8pp | -7.85%-10.5pp |
| Employer contribution / active EE | $5,929 | $3,382+75.3% | $4,816+23.1% | $2,597+128.3% |
| Participant deferral / active EE | $12,704 | $6,111+107.9% | $7,448+70.6% | $4,028+215.4% |
| Admin fee / account holder | $3,111 | $6,277-50.4% | $10,009-68.9% | $5,403-42.4% |