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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 | $57,198 | $82,674-30.8% | $125,381-54.4% | $68,486-16.5% |
| Participation rate | 94.8% | 75.1%+19.8pp | 82.4%+12.4pp | 67.9%+26.9pp |
| Annual return | -17.77% | -5.97%-11.8pp | 572.31%-590.1pp | -7.85%-9.9pp |
| Employer contribution / active EE | $2,477 | $3,382-26.8% | $4,815-48.6% | $2,597-4.6% |
| Participant deferral / active EE | $4,979 | $6,111-18.5% | $7,448-33.1% | $4,028+23.6% |
| Admin fee / account holder | $4,266 | $6,277-32.0% | $10,007-57.4% | $5,404-21.1% |