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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 | $42,774 | $82,674-48.3% | $125,381-65.9% | $68,486-37.5% |
| Participation rate | 96.1% | 75.1%+21.0pp | 82.4%+13.7pp | 67.9%+28.2pp |
| Annual return | -17.73% | -5.97%-11.8pp | 572.31%-590.0pp | -7.85%-9.9pp |
| Employer contribution / active EE | $4,672 | $3,382+38.2% | $4,815-3.0% | $2,597+79.9% |
| Participant deferral / active EE | $13,641 | $6,111+123.2% | $7,448+83.2% | $4,028+238.7% |
| Admin fee / account holder | $538 | $6,277-91.4% | $10,007-94.6% | $5,404-90.0% |