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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 | $79,163 | $82,674-4.2% | $125,381-36.9% | $68,486+15.6% |
| Participation rate | 90.3% | 75.1%+15.3pp | 82.4%+7.9pp | 67.9%+22.4pp |
| Annual return | -18.62% | -5.97%-12.6pp | 572.31%-590.9pp | -7.85%-10.8pp |
| Employer contribution / active EE | $2,379 | $3,382-29.7% | $4,815-50.6% | $2,597-8.4% |
| Participant deferral / active EE | $5,211 | $6,111-14.7% | $7,448-30.0% | $4,028+29.4% |
| Admin fee / account holder | $1,076 | $6,277-82.9% | $10,007-89.2% | $5,404-80.1% |