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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 | $25,234 | $82,678-69.5% | $125,391-79.9% | $68,490-63.2% |
| Participation rate | 87.7% | 75.1%+12.6pp | 82.4%+5.3pp | 67.9%+19.8pp |
| Annual return | -19.30% | -5.97%-13.3pp | 572.41%-591.7pp | -7.85%-11.5pp |
| Employer contribution / active EE | $3,005 | $3,382-11.2% | $4,816-37.6% | $2,597+15.7% |
| Participant deferral / active EE | $5,567 | $6,111-8.9% | $7,448-25.3% | $4,028+38.2% |
| Admin fee / account holder | $961 | $6,277-84.7% | $10,009-90.4% | $5,403-82.2% |