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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 | $85,278 | $95,188-10.4% | $76,518+11.4% | $135,380-37.0% |
| Participation rate | 80.0% | 74.4%+5.6pp | 68.0%+12.0pp | 82.6%-2.6pp |
| Annual return | -6.27% | 4.85%-11.1pp | -0.27%-6.0pp | 519.81%-526.1pp |
| Employer contribution / active EE | $5,955 | $3,303+80.3% | $2,647+124.9% | $4,779+24.6% |
| Participant deferral / active EE | $13,227 | $4,640+185.1% | $3,836+244.8% | $5,609+135.8% |
| Admin fee / account holder | $6,867 | $6,249+9.9% | $4,849+41.6% | $10,828-36.6% |