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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 | $82,184 | $142,392-42.3% | $119,622-31.3% | $134,532-38.9% |
| Participation rate | 75.0% | 82.8%-7.8pp | 79.3%-4.3pp | 81.2%-6.2pp |
| Annual return | -13.79% | -12.46%-1.3pp | -14.98%+1.2pp | 418.27%-432.1pp |
| Employer contribution / active EE | $9,695 | $5,224+85.6% | $4,232+129.1% | $4,741+104.5% |
| Participant deferral / active EE | $9,695 | $6,467+49.9% | $5,601+73.1% | $6,401+51.5% |
| Admin fee / account holder | $947 | $13,593-93.0% | $10,328-90.8% | $11,429-91.7% |