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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 | $69,309 | $72,404-4.3% | $110,243-37.1% | $64,173+8.0% |
| Participation rate | 85.7% | 73.3%+12.4pp | 79.8%+5.9pp | 69.6%+16.1pp |
| Annual return | -6.71% | -6.29%-0.4pp | 314.76%-321.5pp | 7.63%-14.3pp |
| Employer contribution / active EE | $5,413 | $2,282+137.2% | $3,827+41.4% | $2,381+127.3% |
| Participant deferral / active EE | $2,435 | $3,469-29.8% | $4,672-47.9% | $3,470-29.8% |
| Admin fee / account holder | $1,635 | $5,664-71.1% | $8,548-80.9% | $4,887-66.5% |