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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 | $58,811 | $82,678-28.9% | $125,391-53.1% | $68,490-14.1% |
| Participation rate | 83.9% | 75.1%+8.8pp | 82.4%+1.5pp | 67.9%+16.0pp |
| Annual return | -16.69% | -5.97%-10.7pp | 572.41%-589.1pp | -7.85%-8.8pp |
| Employer contribution / active EE | $2,100 | $3,382-37.9% | $4,816-56.4% | $2,597-19.1% |
| Participant deferral / active EE | $4,715 | $6,111-22.9% | $7,448-36.7% | $4,028+17.1% |
| Admin fee / account holder | $12,655 | $6,277+101.6% | $10,009+26.4% | $5,403+134.2% |