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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 | $47,910 | $82,678-42.1% | $125,391-61.8% | $68,490-30.0% |
| Participation rate | 89.7% | 75.1%+14.6pp | 82.4%+7.3pp | 67.9%+21.8pp |
| Annual return | -10.97% | -5.97%-5.0pp | 572.41%-583.4pp | -7.85%-3.1pp |
| Employer contribution / active EE | $1,299 | $3,382-61.6% | $4,816-73.0% | $2,597-50.0% |
| Participant deferral / active EE | $11,318 | $6,111+85.2% | $7,448+52.0% | $4,028+181.0% |
| Admin fee / account holder | $422 | $6,277-93.3% | $10,009-95.8% | $5,403-92.2% |