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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 | $39,885 | $82,674-51.8% | $125,363-68.2% | $68,495-41.8% |
| Participation rate | 72.4% | 75.0%-2.6pp | 82.4%-10.0pp | 67.9%+4.5pp |
| Annual return | -14.05% | -5.97%-8.1pp | 572.15%-586.2pp | -7.84%-6.2pp |
| Employer contribution / active EE | $3,849 | $3,382+13.8% | $4,815-20.1% | $2,596+48.2% |
| Participant deferral / active EE | $7,443 | $6,111+21.8% | $7,447-0.1% | $4,028+84.8% |
| Admin fee / account holder | $4,595 | $6,276-26.8% | $10,005-54.1% | $5,403-15.0% |