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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 | $41,029 | $72,404-43.3% | $110,241-62.8% | $64,181-36.1% |
| Participation rate | 88.2% | 73.3%+14.9pp | 79.8%+8.4pp | 69.6%+18.7pp |
| Annual return | -6.53% | -6.29%-0.2pp | 314.75%-321.3pp | 7.63%-14.2pp |
| Employer contribution / active EE | $3,582 | $2,282+57.0% | $3,827-6.4% | $2,381+50.4% |
| Participant deferral / active EE | $7,414 | $3,469+113.7% | $4,672+58.7% | $3,470+113.7% |
| Admin fee / account holder | $1,771 | $5,664-68.7% | $8,548-79.3% | $4,887-63.8% |