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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 | $62,213 | $82,674-24.7% | $125,381-50.4% | $68,486-9.2% |
| Participation rate | 98.8% | 75.1%+23.7pp | 82.4%+16.4pp | 67.9%+30.9pp |
| Annual return | -17.53% | -5.97%-11.6pp | 572.31%-589.8pp | -7.85%-9.7pp |
| Employer contribution / active EE | $3,422 | $3,382+1.2% | $4,815-28.9% | $2,597+31.8% |
| Participant deferral / active EE | $7,468 | $6,111+22.2% | $7,448+0.3% | $4,028+85.4% |
| Admin fee / account holder | $1,186 | $6,277-81.1% | $10,007-88.1% | $5,404-78.0% |