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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 | $40,918 | $95,895-57.3% | $79,576-48.6% | $134,509-69.6% |
| Participation rate | 85.7% | 75.0%+10.7pp | 69.5%+16.2pp | 81.2%+4.5pp |
| Annual return | -20.24% | -2.72%-17.5pp | 0.15%-20.4pp | 418.13%-438.4pp |
| Employer contribution / active EE | $5,035 | $3,128+61.0% | $2,413+108.7% | $4,741+6.2% |
| Participant deferral / active EE | $10,764 | $4,693+129.4% | $3,985+170.1% | $6,400+68.2% |
| Admin fee / account holder | $547 | $9,129-94.0% | $6,834-92.0% | $11,427-95.2% |