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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 | $65,222 | $75,962-14.1% | $154,111-57.7% | $64,173+1.6% |
| Participation rate | 87.2% | 70.4%+16.8pp | 83.0%+4.2pp | 69.6%+17.7pp |
| Annual return | -7.08% | 30.32%-37.4pp | 735.18%-742.3pp | 7.63%-14.7pp |
| Employer contribution / active EE | $2,740 | $3,350-18.2% | $5,298-48.3% | $2,381+15.1% |
| Participant deferral / active EE | $5,967 | $3,175+88.0% | $5,081+17.5% | $3,470+72.0% |
| Admin fee / account holder | $1,850 | $5,589-66.9% | $13,411-86.2% | $4,887-62.1% |