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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 | $61,114 | $54,370+12.4% | $82,763-26.2% | $68,490-10.8% |
| Participation rate | 100.0% | 63.9%+36.1pp | 72.6%+27.4pp | 67.9%+32.1pp |
| Annual return | -14.40% | -13.67%-0.7pp | 702.45%-716.9pp | -7.85%-6.5pp |
| Employer contribution / active EE | $2,401 | $2,219+8.2% | $3,008-20.2% | $2,597-7.6% |
| Participant deferral / active EE | $3,093 | $3,247-4.7% | $4,395-29.6% | $4,028-23.2% |
| Admin fee / account holder | $3,926 | $4,398-10.7% | $5,325-26.3% | $5,403-27.3% |