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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 | $29,330 | $82,674-64.5% | $125,381-76.6% | $68,486-57.2% |
| Participation rate | 90.4% | 75.1%+15.3pp | 82.4%+8.0pp | 67.9%+22.5pp |
| Annual return | -11.37% | -5.97%-5.4pp | 572.31%-583.7pp | -7.85%-3.5pp |
| Employer contribution / active EE | $3,434 | $3,382+1.6% | $4,815-28.7% | $2,597+32.3% |
| Participant deferral / active EE | $11,100 | $6,111+81.7% | $7,448+49.0% | $4,028+175.6% |
| Admin fee / account holder | $7,985 | $6,277+27.2% | $10,007-20.2% | $5,404+47.8% |