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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 | $45,523 | $82,674-44.9% | $125,363-63.7% | $68,495-33.5% |
| Participation rate | 80.0% | 75.0%+5.0pp | 82.4%-2.4pp | 67.9%+12.1pp |
| Annual return | -9.91% | -5.97%-3.9pp | 572.15%-582.1pp | -7.84%-2.1pp |
| Employer contribution / active EE | $3,640 | $3,382+7.6% | $4,815-24.4% | $2,596+40.2% |
| Participant deferral / active EE | $7,685 | $6,111+25.8% | $7,447+3.2% | $4,028+90.8% |
| Admin fee / account holder | $25,395 | $6,276+304.6% | $10,005+153.8% | $5,403+370.0% |