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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 | $46,174 | $49,177-6.1% | $79,467-41.9% | $64,173-28.0% |
| Participation rate | 70.4% | 65.0%+5.3pp | 73.3%-3.0pp | 69.6%+0.8pp |
| Annual return | -7.49% | -1.16%-6.3pp | 718.30%-725.8pp | 7.63%-15.1pp |
| Employer contribution / active EE | $1,757 | $2,076-15.4% | $2,800-37.2% | $2,381-26.2% |
| Participant deferral / active EE | $3,093 | $2,821+9.6% | $3,704-16.5% | $3,470-10.8% |
| Admin fee / account holder | $4,288 | $3,839+11.7% | $5,104-16.0% | $4,887-12.3% |