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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 | $63,463 | $78,694-19.4% | $67,653-6.2% | $125,388-49.4% |
| Participation rate | 87.5% | 78.8%+8.7pp | 75.7%+11.8pp | 83.2%+4.3pp |
| Annual return | -1.86% | 9.46%-11.3pp | 6625.22%-6627.1pp | 282.24%-284.1pp |
| Employer contribution / active EE | $2,617 | $3,044-14.0% | $2,266+15.5% | $4,866-46.2% |
| Participant deferral / active EE | $6,391 | $4,292+48.9% | $3,560+79.5% | $5,352+19.4% |
| Admin fee / account holder | $454 | $7,403-93.9% | $4,821-90.6% | $9,541-95.2% |