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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 | $47,433 | $82,674-42.6% | $125,381-62.2% | $68,486-30.7% |
| Participation rate | 94.6% | 75.1%+19.6pp | 82.4%+12.3pp | 67.9%+26.7pp |
| Annual return | -17.93% | -5.97%-12.0pp | 572.31%-590.2pp | -7.85%-10.1pp |
| Employer contribution / active EE | $2,818 | $3,382-16.7% | $4,815-41.5% | $2,597+8.5% |
| Participant deferral / active EE | $9,576 | $6,111+56.7% | $7,448+28.6% | $4,028+137.8% |
| Admin fee / account holder | $635 | $6,277-89.9% | $10,007-93.7% | $5,404-88.3% |