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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 | $70,112 | $82,674-15.2% | $125,363-44.1% | $68,495+2.4% |
| Participation rate | 92.9% | 75.0%+17.8pp | 82.4%+10.5pp | 67.9%+25.0pp |
| Annual return | -17.13% | -5.97%-11.2pp | 572.15%-589.3pp | -7.84%-9.3pp |
| Employer contribution / active EE | $5,902 | $3,382+74.5% | $4,815+22.6% | $2,596+127.3% |
| Participant deferral / active EE | $10,980 | $6,111+79.7% | $7,447+47.4% | $4,028+172.6% |
| Admin fee / account holder | $1,781 | $6,276-71.6% | $10,005-82.2% | $5,403-67.0% |