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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 | $44,808 | $110,083-59.3% | $151,639-70.5% | $68,486-34.6% |
| Participation rate | 79.5% | 84.0%-4.5pp | 87.5%-8.0pp | 67.9%+11.6pp |
| Annual return | 55.73% | -10.12%+65.9pp | 3.34%+52.4pp | -7.85%+63.6pp |
| Employer contribution / active EE | $0 | $4,470-100.0% | $6,165-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $12,118 | $6,526+85.7% | $8,363+44.9% | $4,028+200.9% |
| Admin fee / account holder | $2,094 | $7,718-72.9% | $11,613-82.0% | $5,404-61.3% |