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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 | $63,549 | $69,012-7.9% | $160,009-60.3% | $68,486-7.2% |
| Participation rate | 100.0% | 65.4%+34.6pp | 78.0%+22.0pp | 67.9%+32.1pp |
| Annual return | -10.91% | -9.65%-1.3pp | 408.85%-419.8pp | -7.85%-3.1pp |
| Employer contribution / active EE | $5,381 | $2,212+143.2% | $4,225+27.3% | $2,597+107.2% |
| Participant deferral / active EE | $12,278 | $4,212+191.5% | $6,183+98.6% | $4,028+204.9% |
| Admin fee / account holder | $2,286 | $4,798-52.4% | $8,715-73.8% | $5,404-57.7% |