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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 | $51,802 | $82,678-37.3% | $125,391-58.7% | $68,490-24.4% |
| Participation rate | 88.0% | 75.1%+12.9pp | 82.4%+5.6pp | 67.9%+20.1pp |
| Annual return | -16.56% | -5.97%-10.6pp | 572.41%-589.0pp | -7.85%-8.7pp |
| Employer contribution / active EE | $5,633 | $3,382+66.5% | $4,816+17.0% | $2,597+116.9% |
| Participant deferral / active EE | $9,782 | $6,111+60.1% | $7,448+31.3% | $4,028+142.9% |
| Admin fee / account holder | $3,441 | $6,277-45.2% | $10,009-65.6% | $5,403-36.3% |