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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 | $44,267 | $82,674-46.5% | $125,381-64.7% | $68,486-35.4% |
| Participation rate | 80.6% | 75.1%+5.6pp | 82.4%-1.7pp | 67.9%+12.8pp |
| Annual return | -18.91% | -5.97%-12.9pp | 572.31%-591.2pp | -7.85%-11.1pp |
| Employer contribution / active EE | $4,568 | $3,382+35.1% | $4,815-5.1% | $2,597+75.9% |
| Participant deferral / active EE | $6,614 | $6,111+8.2% | $7,448-11.2% | $4,028+64.2% |
| Admin fee / account holder | $466 | $6,277-92.6% | $10,007-95.3% | $5,404-91.4% |