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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 | $38,393 | $95,915-60.0% | $79,580-51.8% | $134,532-71.5% |
| Participation rate | 95.2% | 75.0%+20.2pp | 69.5%+25.7pp | 81.2%+14.0pp |
| Annual return | -17.43% | -2.71%-14.7pp | 0.15%-17.6pp | 418.27%-435.7pp |
| Employer contribution / active EE | $5,432 | $3,129+73.6% | $2,413+125.1% | $4,741+14.6% |
| Participant deferral / active EE | $5,068 | $4,693+8.0% | $3,985+27.2% | $6,401-20.8% |
| Admin fee / account holder | $740 | $9,132-91.9% | $6,835-89.2% | $11,429-93.5% |