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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 | $82,264 | $95,917-14.2% | $79,583+3.4% | $134,545-38.9% |
| Participation rate | 88.9% | 75.0%+13.8pp | 69.5%+19.4pp | 81.2%+7.7pp |
| Annual return | -18.57% | -2.70%-15.9pp | 0.16%-18.7pp | 418.37%-436.9pp |
| Employer contribution / active EE | $6,530 | $3,129+108.7% | $2,414+170.6% | $4,742+37.7% |
| Participant deferral / active EE | $11,364 | $4,694+142.1% | $3,986+185.1% | $6,401+77.5% |
| Admin fee / account holder | $625 | $9,132-93.2% | $6,835-90.9% | $11,431-94.5% |