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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 | $84,047 | $82,678+1.7% | $125,391-33.0% | $68,490+22.7% |
| Participation rate | 70.8% | 75.1%-4.2pp | 82.4%-11.6pp | 67.9%+2.9pp |
| Annual return | -15.33% | -5.97%-9.4pp | 572.41%-587.7pp | -7.85%-7.5pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,816-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $6,377 | $6,111+4.3% | $7,448-14.4% | $4,028+58.3% |
| Admin fee / account holder | $4,087 | $6,277-34.9% | $10,009-59.2% | $5,403-24.4% |