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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 | $49,746 | $82,678-39.8% | $125,391-60.3% | $68,490-27.4% |
| Participation rate | 85.9% | 75.1%+10.9pp | 82.4%+3.5pp | 67.9%+18.0pp |
| Annual return | -16.26% | -5.97%-10.3pp | 572.41%-588.7pp | -7.85%-8.4pp |
| Employer contribution / active EE | $9,021 | $3,382+166.7% | $4,816+87.3% | $2,597+247.4% |
| Participant deferral / active EE | $10,005 | $6,111+63.7% | $7,448+34.3% | $4,028+148.4% |
| Admin fee / account holder | $2,048 | $6,277-67.4% | $10,009-79.5% | $5,403-62.1% |