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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 | $102,536 | $75,962+35.0% | $154,108-33.5% | $64,173+59.8% |
| Participation rate | 79.1% | 70.4%+8.7pp | 83.0%-4.0pp | 69.6%+9.5pp |
| Annual return | -6.63% | 30.32%-37.0pp | 735.21%-741.8pp | 7.63%-14.3pp |
| Employer contribution / active EE | $485 | $3,350-85.5% | $5,298-90.8% | $2,381-79.6% |
| Participant deferral / active EE | $5,699 | $3,175+79.5% | $5,081+12.2% | $3,470+64.2% |
| Admin fee / account holder | $4,881 | $5,589-12.7% | $13,411-63.6% | $4,887-0.1% |