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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 | $29,150 | $75,962-61.6% | $154,111-81.1% | $64,173-54.6% |
| Participation rate | 75.7% | 70.4%+5.3pp | 83.0%-7.4pp | 69.6%+6.1pp |
| Annual return | -6.84% | 30.32%-37.2pp | 735.18%-742.0pp | 7.63%-14.5pp |
| Employer contribution / active EE | $5,201 | $3,350+55.3% | $5,298-1.8% | $2,381+118.5% |
| Participant deferral / active EE | $9,548 | $3,175+200.8% | $5,081+87.9% | $3,470+175.2% |
| Admin fee / account holder | $3,963 | $5,589-29.1% | $13,411-70.5% | $4,887-18.9% |