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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 | $29,968 | $43,730-31.5% | $121,220-75.3% | $64,173-53.3% |
| Participation rate | 95.9% | 58.3%+37.6pp | 71.8%+24.2pp | 69.6%+26.3pp |
| Annual return | -6.94% | 68.94%-75.9pp | 16.94%-23.9pp | 7.63%-14.6pp |
| Employer contribution / active EE | $2,363 | $1,297+82.2% | $4,023-41.3% | $2,381-0.8% |
| Participant deferral / active EE | $5,526 | $2,281+142.3% | $3,345+65.2% | $3,470+59.3% |
| Admin fee / account holder | $6,384 | $3,502+82.3% | $5,021+27.2% | $4,887+30.6% |