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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 | $7,982 | $117,694-93.2% | $71,755-88.9% | $134,532-94.1% |
| Participation rate | 71.4% | 68.8%+2.6pp | 62.3%+9.1pp | 81.2%-9.8pp |
| Annual return | -19.19% | 25.33%-44.5pp | 9.09%-28.3pp | 418.27%-437.5pp |
| Employer contribution / active EE | $3,855 | $2,523+52.8% | $1,704+126.3% | $4,741-18.7% |
| Participant deferral / active EE | $4,785 | $3,753+27.5% | $2,656+80.2% | $6,401-25.2% |
| Admin fee / account holder | $5,451 | $6,374-14.5% | $3,972+37.2% | $11,429-52.3% |