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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 | $68,654 | $72,404-5.2% | $110,243-37.7% | $64,173+7.0% |
| Participation rate | 94.2% | 73.3%+20.9pp | 79.8%+14.4pp | 69.6%+24.7pp |
| Annual return | -6.59% | -6.29%-0.3pp | 314.76%-321.4pp | 7.63%-14.2pp |
| Employer contribution / active EE | $2,830 | $2,282+24.0% | $3,827-26.0% | $2,381+18.9% |
| Participant deferral / active EE | $3,448 | $3,469-0.6% | $4,672-26.2% | $3,470-0.6% |
| Admin fee / account holder | $1,088 | $5,664-80.8% | $8,548-87.3% | $4,887-77.7% |