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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 | $41,149 | $82,674-50.2% | $125,381-67.2% | $68,486-39.9% |
| Participation rate | 84.6% | 75.1%+9.6pp | 82.4%+2.2pp | 67.9%+16.7pp |
| Annual return | -8.72% | -5.97%-2.7pp | 572.31%-581.0pp | -7.85%-0.9pp |
| Employer contribution / active EE | $3,361 | $3,382-0.6% | $4,815-30.2% | $2,597+29.5% |
| Participant deferral / active EE | $7,305 | $6,111+19.5% | $7,448-1.9% | $4,028+81.4% |
| Admin fee / account holder | $4,074 | $6,277-35.1% | $10,007-59.3% | $5,404-24.6% |