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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 | $42,666 | $82,674-48.4% | $125,363-66.0% | $68,495-37.7% |
| Participation rate | 84.6% | 75.0%+9.6pp | 82.4%+2.2pp | 67.9%+16.7pp |
| Annual return | -17.86% | -5.97%-11.9pp | 572.15%-590.0pp | -7.84%-10.0pp |
| Employer contribution / active EE | $2,946 | $3,382-12.9% | $4,815-38.8% | $2,596+13.5% |
| Participant deferral / active EE | $7,832 | $6,111+28.2% | $7,447+5.2% | $4,028+94.5% |
| Admin fee / account holder | $6,149 | $6,276-2.0% | $10,005-38.5% | $5,403+13.8% |