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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 | $63,531 | $100,805-37.0% | $86,698-26.7% | $134,532-52.8% |
| Participation rate | 86.4% | 79.0%+7.4pp | 76.6%+9.8pp | 81.2%+5.1pp |
| Annual return | -16.28% | 29.09%-45.4pp | 35.95%-52.2pp | 418.27%-434.5pp |
| Employer contribution / active EE | $0 | $3,490-100.0% | $2,837-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $3,321 | $5,339-37.8% | $4,656-28.7% | $6,401-48.1% |
| Admin fee / account holder | $6,913 | $10,925-36.7% | $7,493-7.7% | $11,429-39.5% |