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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 | $38,055 | $72,404-47.4% | $110,243-65.5% | $64,173-40.7% |
| Participation rate | 81.0% | 73.3%+7.7pp | 79.8%+1.2pp | 69.6%+11.5pp |
| Annual return | -4.97% | -6.29%+1.3pp | 314.76%-319.7pp | 7.63%-12.6pp |
| Employer contribution / active EE | $5,132 | $2,282+124.9% | $3,827+34.1% | $2,381+115.6% |
| Participant deferral / active EE | $4,162 | $3,469+20.0% | $4,672-10.9% | $3,470+20.0% |
| Admin fee / account holder | $1,755 | $5,664-69.0% | $8,548-79.5% | $4,887-64.1% |