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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 | $40,682 | $142,361-71.4% | $119,608-66.0% | $134,509-69.8% |
| Participation rate | 92.3% | 82.8%+9.5pp | 79.3%+13.0pp | 81.2%+11.1pp |
| Annual return | -19.90% | -12.46%-7.4pp | -14.98%-4.9pp | 418.13%-438.0pp |
| Employer contribution / active EE | $2,990 | $5,224-42.8% | $4,232-29.4% | $4,741-36.9% |
| Participant deferral / active EE | $9,419 | $6,468+45.6% | $5,601+68.1% | $6,400+47.2% |
| Admin fee / account holder | $714 | $13,588-94.7% | $10,326-93.1% | $11,427-93.8% |