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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 | $63,562 | $69,012-7.9% | $160,037-60.3% | $68,490-7.2% |
| Participation rate | 97.0% | 65.4%+31.5pp | 78.0%+19.0pp | 67.9%+29.1pp |
| Annual return | -18.33% | -9.65%-8.7pp | 408.95%-427.3pp | -7.85%-10.5pp |
| Employer contribution / active EE | $4,469 | $2,212+102.0% | $4,226+5.8% | $2,597+72.1% |
| Participant deferral / active EE | $10,317 | $4,212+145.0% | $6,184+66.8% | $4,028+156.2% |
| Admin fee / account holder | $7,386 | $4,798+53.9% | $8,716-15.3% | $5,403+36.7% |