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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 | $72,839 | $75,959-4.1% | $154,114-52.7% | $64,181+13.5% |
| Participation rate | 76.9% | 70.4%+6.5pp | 83.0%-6.1pp | 69.6%+7.4pp |
| Annual return | -4.21% | 30.32%-34.5pp | 735.16%-739.4pp | 7.63%-11.8pp |
| Employer contribution / active EE | $1,956 | $3,350-41.6% | $5,298-63.1% | $2,381-17.8% |
| Participant deferral / active EE | $4,204 | $3,175+32.4% | $5,081-17.3% | $3,470+21.2% |
| Admin fee / account holder | $13,286 | $5,589+137.7% | $13,411-0.9% | $4,887+171.8% |