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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 | $66,465 | $82,674-19.6% | $125,381-47.0% | $68,486-2.9% |
| Participation rate | 78.9% | 75.1%+3.9pp | 82.4%-3.4pp | 67.9%+11.1pp |
| Annual return | -16.09% | -5.97%-10.1pp | 572.31%-588.4pp | -7.85%-8.2pp |
| Employer contribution / active EE | $6,785 | $3,382+100.6% | $4,815+40.9% | $2,597+161.3% |
| Participant deferral / active EE | $12,095 | $6,111+97.9% | $7,448+62.4% | $4,028+200.3% |
| Admin fee / account holder | $731 | $6,277-88.4% | $10,007-92.7% | $5,404-86.5% |