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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 | $13,014 | $82,314-84.2% | $68,808-81.1% | $134,532-90.3% |
| Participation rate | 90.0% | 75.1%+14.9pp | 69.0%+21.0pp | 81.2%+8.8pp |
| Annual return | -12.38% | -2.18%-10.2pp | -6.37%-6.0pp | 418.27%-430.6pp |
| Employer contribution / active EE | $2,369 | $3,301-28.2% | $2,656-10.8% | $4,741-50.0% |
| Participant deferral / active EE | $6,785 | $4,740+43.2% | $3,942+72.1% | $6,401+6.0% |
| Admin fee / account holder | $854 | $6,484-86.8% | $4,936-82.7% | $11,429-92.5% |