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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 | $127,190 | $68,996+84.3% | $159,991-20.5% | $68,495+85.7% |
| Participation rate | 90.9% | 65.4%+25.5pp | 78.0%+12.9pp | 67.9%+23.0pp |
| Annual return | -14.84% | -9.65%-5.2pp | 408.82%-423.7pp | -7.84%-7.0pp |
| Employer contribution / active EE | $0 | $2,212-100.0% | $4,225-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $6,954 | $4,211+65.2% | $6,183+12.5% | $4,028+72.7% |
| Admin fee / account holder | $12,410 | $4,797+158.7% | $8,715+42.4% | $5,403+129.7% |