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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 | $55,056 | $72,404-24.0% | $110,243-50.1% | $64,173-14.2% |
| Participation rate | 94.3% | 73.3%+20.9pp | 79.8%+14.4pp | 69.6%+24.7pp |
| Annual return | -6.01% | -6.29%+0.3pp | 314.76%-320.8pp | 7.63%-13.6pp |
| Employer contribution / active EE | $5,767 | $2,282+152.7% | $3,827+50.7% | $2,381+142.2% |
| Participant deferral / active EE | $4,984 | $3,469+43.7% | $4,672+6.7% | $3,470+43.6% |
| Admin fee / account holder | $725 | $5,664-87.2% | $8,548-91.5% | $4,887-85.2% |