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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 | $39,880 | $82,674-51.8% | $125,363-68.2% | $68,495-41.8% |
| Participation rate | 91.3% | 75.0%+16.3pp | 82.4%+8.9pp | 67.9%+23.4pp |
| Annual return | -13.06% | -5.97%-7.1pp | 572.15%-585.2pp | -7.84%-5.2pp |
| Employer contribution / active EE | $6,018 | $3,382+78.0% | $4,815+25.0% | $2,596+131.8% |
| Participant deferral / active EE | $15,003 | $6,111+145.5% | $7,447+101.5% | $4,028+272.5% |
| Admin fee / account holder | $1,538 | $6,276-75.5% | $10,005-84.6% | $5,403-71.5% |