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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 | $79,207 | $82,674-4.2% | $125,363-36.8% | $68,495+15.6% |
| Participation rate | 100.0% | 75.0%+25.0pp | 82.4%+17.6pp | 67.9%+32.1pp |
| Annual return | -17.28% | -5.97%-11.3pp | 572.15%-589.4pp | -7.84%-9.4pp |
| Employer contribution / active EE | $2,013 | $3,382-40.5% | $4,815-58.2% | $2,596-22.5% |
| Participant deferral / active EE | $6,813 | $6,111+11.5% | $7,447-8.5% | $4,028+69.2% |
| Admin fee / account holder | $9,447 | $6,276+50.5% | $10,005-5.6% | $5,403+74.8% |