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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 | $70,573 | $72,404-2.5% | $110,243-36.0% | $64,173+10.0% |
| Participation rate | 100.0% | 73.3%+26.7pp | 79.8%+20.2pp | 69.6%+30.4pp |
| Annual return | -5.09% | -6.29%+1.2pp | 314.76%-319.8pp | 7.63%-12.7pp |
| Employer contribution / active EE | $1,544 | $2,282-32.3% | $3,827-59.7% | $2,381-35.1% |
| Participant deferral / active EE | $9,195 | $3,469+165.1% | $4,672+96.8% | $3,470+165.0% |
| Admin fee / account holder | $2,313 | $5,664-59.2% | $8,548-72.9% | $4,887-52.7% |