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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 | $107,374 | $82,678+29.9% | $125,391-14.4% | $68,490+56.8% |
| Participation rate | 89.1% | 75.1%+14.1pp | 82.4%+6.7pp | 67.9%+21.2pp |
| Annual return | -17.43% | -5.97%-11.5pp | 572.41%-589.8pp | -7.85%-9.6pp |
| Employer contribution / active EE | $1,030 | $3,382-69.5% | $4,816-78.6% | $2,597-60.3% |
| Participant deferral / active EE | $7,370 | $6,111+20.6% | $7,448-1.1% | $4,028+83.0% |
| Admin fee / account holder | $922 | $6,277-85.3% | $10,009-90.8% | $5,403-82.9% |