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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 | $96,037 | $49,177+95.3% | $79,467+20.9% | $64,173+49.7% |
| Participation rate | 76.9% | 65.0%+11.9pp | 73.3%+3.6pp | 69.6%+7.4pp |
| Annual return | -8.05% | -1.16%-6.9pp | 718.30%-726.4pp | 7.63%-15.7pp |
| Employer contribution / active EE | $12,225 | $2,076+488.8% | $2,800+336.6% | $2,381+413.5% |
| Participant deferral / active EE | $6,379 | $2,821+126.1% | $3,704+72.2% | $3,470+83.9% |
| Admin fee / account holder | $404 | $3,839-89.5% | $5,104-92.1% | $4,887-91.7% |