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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 | $80,575 | $69,012+16.8% | $160,037-49.7% | $68,490+17.6% |
| Participation rate | 82.2% | 65.4%+16.8pp | 78.0%+4.2pp | 67.9%+14.3pp |
| Annual return | -13.12% | -9.65%-3.5pp | 408.95%-422.1pp | -7.85%-5.3pp |
| Employer contribution / active EE | $1,373 | $2,212-37.9% | $4,226-67.5% | $2,597-47.1% |
| Participant deferral / active EE | $4,222 | $4,212+0.2% | $6,184-31.7% | $4,028+4.8% |
| Admin fee / account holder | $6,515 | $4,798+35.8% | $8,716-25.3% | $5,403+20.6% |