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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 | $56,463 | $78,694-28.2% | $67,652-16.5% | $125,389-55.0% |
| Participation rate | 94.7% | 78.8%+15.9pp | 75.7%+19.1pp | 83.2%+11.5pp |
| Annual return | -1.03% | 9.46%-10.5pp | 6625.40%-6626.4pp | 282.24%-283.3pp |
| Employer contribution / active EE | $1,887 | $3,044-38.0% | $2,266-16.7% | $4,866-61.2% |
| Participant deferral / active EE | $3,468 | $4,292-19.2% | $3,560-2.6% | $5,352-35.2% |
| Admin fee / account holder | $9,691 | $7,403+30.9% | $4,821+101.0% | $9,541+1.6% |